加快推进利率市场化：主要障碍与政策建议

建立有效的金融市场是世界大多数国家金融改革的基本目标，利率市场化问题的解决是有效金融市场建立的关键。我国的二元金融结构阻碍了利率市场化改革进展。要推进我国利率市场化需要从几个方面入手：实现真正意义上的“金融分权”；加强存款保险制度建设；进一步健全货币市场；设计金融机构市场化退出机制。

On Obstacles and Strategies of Interest Rate Marketization

The establishment of an effective financial market has become the basic goal of world financial reform in most coun- tries, which mainly depends on solving the problem of marketization of interest rates. Financial dualism in China hinders the process of reform on the marketization of interest rate. To promote it, the following things should be done which include the true realization of the ＂financial decentralization＂ ; the construction of deposit insurance system; the fullfillment of the effective monetary market and the design of the exit mechanism of financial institutions.