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文章首先阐述了信用与利率,非正式利率的理论和我国利率市场化现状,分析了利率市场化改革存在的一系列难点:央行非独立性,国家外汇储备占款持续增长,部分企业是负利率的获益者,政府财政是负利率的获益者,商业银行是负利率的获益者。因此,随着金融市场的发展和金融体制的完善,各方面条件都利于利率市场化改革的加快推进。
The article first elaborates the theories of credit and interest rates, informal interest rates and the marketization of interest rates in our country. It analyzes a series of difficulties existing in the marketization of interest rate liberalization: the non-independence of the central bank, the continued growth of the country’s foreign exchange reserves, the negative interest rate of some enterprises Beneficiaries, government finance is the beneficiary of negative interest rates, commercial banks are the beneficiaries of negative interest rates. Therefore, with the development of the financial market and the improvement of the financial system, all conditions are conducive to accelerating the marketization of interest rate reform.