摘要
2014年年初,中国五大国有商业银行存款利率悄然上浮10%,暗示着存款利率市场化改革全面拉开帷幕。虽然存款利率市场化改革具有由里至外的推动力,但是短期内全面放开存款利率市场仍存在一定的障碍。文章在借鉴美国存款利率市场化改革经验与教训的基础上提出其对中国存款利率市场化改革的启示。
Five major state-owned commercial banks of China quietly raised the deposit interest rates by 10% in the beginning of 2014,suggesting the full start of market-based reform of deposit interest rate. Though there are both internal and external impetuses for the mar-ket-based reform of deposit interest rate, there remain some obstacles for full liberalization of deposit interest rate in the short term. Based on the experiences and lessons of the market-based reform of deposit interest rate in the US, some enlightenment is proposed for the mar-ket-based reform of deposit interest rate in China.
出处
《创新》
2014年第4期49-53,126,共5页
Innovation
基金
2012年度广东省社科规划项目<基于金融消费者保护视角的衍生工具交易后风险与监管问题的研究>(GD12CYJ05)
关键词
存款利率市场化
利率管制
金融消费者
推动力
障碍
market-based deposit interest rate
interest rate control
financial consumer
impetus
obstacle
