解决融资难融资贵问题,不能单靠放松货币政策。这不是简单的政策问题,在相当大程度上是制度性问题,是市场建设问题。解决的办法除了货币政策根据需要作些调整,更重要的是推进各种金融市场的建设。十八届三中全会提出加快推进利率市场化,这是完全正确的,也是当务之急。但有一个很重要的问题,中国有没有相应的金融市场。在发达的市场国家,都要有一条期限由6个月到30年甚至更长的无风险的收益率曲线作为定价的基本面,三中全会中提到要建立一个收益率曲线,这也是非常重要的。否则,没有定价的标准。要想建起收益率曲线,得有相应的市场, Solve the problem of financing difficult financing, monetary policy can not be relaxed alone. This is not a simple policy issue. To a large extent, it is an institutional issue and a market building issue. The solution to the problem is to make some adjustments to the monetary policy according to the needs and, more importantly, to promote the construction of various financial markets. The proposal put forward by the Third Plenary Session of the 18th CPC Central Committee to speed up the marketization of interest rates is entirely correct and urgent. But there is a very important question, is there any corresponding financial market in China? In the developed market countries, there should be a deadline for the risk-free yield curve from 6 months to 30 years or longer as the pricing fundamentals. The Third Plenary Session mentioned the need to establish a yield curve, which is also very important. Otherwise, there is no standard for pricing. To build a yield curve, have the appropriate market,