推进利率市场化改革的基础条件问题研究

利率市场化是我国金融体制改革的方向,其最终目标是在社会资金供求关系中,形成以中央银行基准利率为基础,以货币市场利率为中介,既有国家宏观调控功能,又具有市场自我调节功能的市场利率体系和利率形成机制.研究我国的利率市场化改革进程、对国民经济运行与金融发展创新发挥的积极作用,分析我国利率市场化改革的特征及效果,指出当前利率市场化改革过程中存在的问题,并探讨进一步深化利率市场化改革的基础条件和路径.

Research on the Basic Condition Problem of Promoting the Interest Marketization Reform

Interest rate marketization is the direction of financial system reform in China,which the final goal is forming a market interest rate system and interest rate formation mechanism in relation between supply and demand of social funds.Both of them are taking the benchmark interest rate of central bank as a basis,the monetary market interest rate as an intermediary,and having the national macro-control function and market regulation itself function.By the review of the interest rate marketization reform process and the positive role of national economic operation and financial development innovation,this paper analyzed the feature and result of interest rate marketization reform,and pointed out the existing problems in the process of interest rate marketization reform and discussed the basic condition and path for deepening interest rate marketization reform.