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利率市场化是建立一个以货币市场利率为基准、市场供求发挥基础作用、金融机构拥有利率定价权、中央银行施之有效影响的新型利率体系1996年同业拆借市场利率的放开拉开了我国利率市场化改革的帷幕,经过17年的稳步推进,改革取得了积极成果。2013年7月20日起,央行全面放开金融机构贷款利率管制,这表明利率市场化已经进入最后阶段,也意味着改革面临新的挑战。当前正是利率市场化改革进程的重要契机,此时对利率市场化改革进行重新认识,具有重要的现实意义。
The interest rate liberalization is a new interest rate system based on the interest rate of the money market, the basic function of supply and demand in the market, the interest rate pricing of financial institutions and the effective influence of the central bank. The liberalization of interest rates in the interbank borrowing market in 1996 opened up the interest rate After 17 years of steady progress, the reform has achieved positive results. Since July 20, 2013, the central bank has liberalized the lending rate controls of financial institutions in an all-round way. This indicates that the marketization of interest rates has entered its final stage, which means the reform faces new challenges. At present, it is an important turning point in the marketization of interest rate reform. At this time, it is of great practical significance to re-understand the interest-rate liberalization reform.