| 人民币存款利率市场化改革的制度性的障碍分析 |
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| 引用本文： | 王国松.人民币存款利率市场化改革的制度性的障碍分析[J].地质技术经济管理,2009(6):55-58. |
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| 作者姓名： | 王国松 |
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| 作者单位： | 上海大学经济学院,上海200444 |
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| 基金项目： | 本文为上海市哲学社会科学“十一五”规划项目《我国资本账户渐次开放的制度基础研究》（2006BJL009）的研究成果. |
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| 摘 要： | 我国利率市场化已经进入本币存贷款利率市场化的关键阶段。目前我国人民币存贷款利率市场化主要面临财政赤字、银行风险以及投资与消费需求不足等三大约束。如果在此情形下贸然进行人民币存贷款利率市场化改革，则会恶化财政赤字、加剧银行风险和需求不足，甚至会引发金融危机。因此，必须消除上述约束，夯实利率市场化所需要的经济基础，稳健地推进我国人民币存贷款改革。
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| 关 键 词： | 利率市场化 金融危机 制度障碍 |
Analysis on Institutional Barriers in the Market-oriented Reformation of RMB Deposit and Loan Interest Rates |
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| Wang Guosong.Analysis on Institutional Barriers in the Market-oriented Reformation of RMB Deposit and Loan Interest Rates[J].Geological Technoeconomic Management,2009(6):55-58. |
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| Authors: | Wang Guosong |
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| Institution: | Wang Guosong (School of Economics, Shanghai University, Shanghai 200444, China) |
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| Abstract: | China＇ s interest rate market-oriented reformation of RMB deposit and loan has reached the key phase. At present, the interest rate market-oriented reformation of RMB deposit and loan is confronted with three restrains of fiscal deficit, banking risks and inadequate demands of investment and consumption. In such cases, to hastily carry out the interest rate market-oriented reformation of RMB deposit and loan will aggravate fiscal deficit, banking risks, inadequate demands, and even triggers financial crisis. Therefore it is necessary to remove the above-mentioned restrains, enforce economical base needed by market-oriented interest rate and steadily promote interest rate market-oriented reformation of RMB deposit and loan. |
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| Keywords: | market-oriented interest rates financial crisis institu-tional obstacles |
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