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利率市场化改革,是打破金融垄断的关键,是经济发展的客观要求。利率市场化让银行业获得更大的自主定价空间,增加了农村金融机构的危机感和转型动力,有助于促进农村金融机构合理配置信贷资金,创新金融产品,优化客户结构。当前农村金融机构建立和完善相关制度,保证金融市场稳定发展;推进货币市场产品和工具创新,拓宽业务空间;提升经营管理能力,有效处理不良资产;建立风险管理机制,加强利率风险管理;提升服务,推动金融产品与服务价格体系的市场化。
Market-oriented interest rate reform is the key to breaking the financial monopoly and an objective requirement for economic development. The interest rate liberalization has given banks more room for independent pricing and increased the sense of crisis and transformation in rural financial institutions. It helps promote the rational allocation of credit funds, innovation of financial products and optimization of customer structures in rural financial institutions. The current rural financial institutions to establish and improve the relevant systems to ensure the stable development of the financial markets; promote currency market products and tools to promote innovation and broaden the business space; improve operational management capabilities to effectively deal with non-performing assets; establish risk management mechanisms to enhance interest rate risk management; enhance service , And promote the marketization of the price system of financial products and services.