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根据中国人民银行的于2013年7月20日的最新公告称,金融机构对于贷款利率的相关管制,自公告宣布当日起得到全面放开,对于原利率的七折下限的规定,中国人民银行正式取消。在此之前,中国人民银行于2012年6月也曾经出台相关政策,对金融机构贷款利率的浮动区间扩大。人民银行这一系列的政策,标志着中国利率市场化已有实质性的跨越。贷款利率对于银行的经营有着最重要的影响,利率市场化所造成的价格体系重估等因素都会加剧银行业的竞争,倒逼全行业必须进行深刻的变革和调整。笔者从本次人民银行的贷款利率改革的话题入手,分析我国从利率市场化的改革和发展前景,结合我国企业发展的现状,浅析利率市场化的改革后,企业融资即将面临的机遇和困难。
According to the latest announcement of the People’s Bank of China on July 20, 2013, the relevant controls on lending rates by financial institutions have been fully liberalized from the announcement date. For the 30% discount on the original interest rate, the People’s Bank of China cancel. Prior to this, the People’s Bank of China also issued relevant policies in June 2012, expanding the floating range of lending rates for financial institutions. This series of policies of the People’s Bank of China marks a substantial leap forward in the marketization of China’s interest rate. Loan interest rates have the most important impact on the operation of the bank, and the revaluation of the price system caused by the interest rate liberalization will aggravate banking competition, forcing the entire industry to make profound changes and adjustments. Starting from the topic of PBC loan interest rate reform, the author analyzes China’s reform and development prospect of market-based interest rate liberalization and the opportunities and difficulties that corporate financing faces in the light of the current market-oriented reform of interest rate .