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利率作为最重要的金融资产价格,市场化问题一直备受关注,现阶段我国货币市场、国债市场和境内外币市场领域已经基本实现利率市场化,剩下的存贷款利率市场化很大程度上被当作是金融改革难啃的骨头。长期以来,我国存贷款利率市场化一直强调“贷款利率限制下限,存款利率管住上限”的原则,事实上央行通过对不同期限存贷款基准利率的管制,阶段性地实现了这一目标,而现在的利率市场化则需要去侵蚀这个基础。继2012
As the most important price of financial assets, interest rate has always been concerned with the issue of market. At this stage, the marketization of interest rates has basically been realized in the money market, bond market and domestic and foreign currency markets in our country. The remaining marketization of interest rates on deposits and loans is largely As a financial reform difficult to chew the bones. For a long time, the marketization of deposit and loan interest rate in our country has been emphasizing the principle of “the lower limit of loan interest rate and the upper limit of deposit interest rate”. In fact, the central bank realized this goal in stages through the control of the benchmark interest rate of deposits and loans with different maturities , And the current marketization of interest rates needs to erode this foundation. Following 2012