| 美国利率市场化改革的历程与经验 |
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| 引用本文： | 雷曜,胡梦若,张引璐.美国利率市场化改革的历程与经验[J].中国货币市场,2012(5):18-23. |
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| 作者姓名： | 雷曜 胡梦若 张引璐 |
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| 作者单位： | [1]中国人民银行金融研究所 [2]北京大学经济学院 [3]清华大学经管学院 |
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| 摘 要： | 利率市场化是指金融机构在货币市场经营融资的利率由市场供求来决定，它包括利率决定、利率传导、利率结构和利率管理的市场化。文章研究了美国利率市场化改革的历程与经验，认为美国利率管制体现了战后国家干预经济的政策思想，利率市场化改革由直接融资体系和影子银行体系的快速发展所引发，存款保险体系的完善和混业监管体系的确立为其成功完成提供了制度保障。
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| 关 键 词： | 利率市场化 影子银行体系 存款保险制度 |
The United States experience of interest rate marketization reform |
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| Lei Yao,Financial Research Institute,People＇s Bank of China Hu Mengruo,School of Economics,Peking University Zhang Yinlu.The United States experience of interest rate marketization reform[J].China Money,2012(5):18-23. |
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| Authors: | Lei Yao Financial Research Institute People＇s Bank of China Hu Mengruo School of Economics Peking University Zhang Yinlu |
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| Institution: | , School of Economics and Management, Tsinghua University |
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| Abstract: | Interest rate marketization means that interest rates for financial institutions to finance in the money market are determined by market demand and supply, which includes the marketization of interest rate determination, transmission, structure and management. This article studies the progress and experience of the US interest rate marketization reform. It suggests that interest rate control in the US reflected the policy ideas of state economic intervention after the Second World War, the rapid development of the direct financing system and the shadow banking system has given rise to the interest rate marketization reform, and the improvement of the deposit insurance system and the establishment of a mixed regulatory system would provide an institutional safeguard for its success. |
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| Keywords: | interest rate marketization shadow bankingsystem deposit insurance system |
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