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利率市场化是指将利率决定权交给市场,由市场主体自行决定利率的过程。利率市场化改革是一个系统工程,包括利率决定、利率传导、利率结构和利率管理市场化的过程。利率市场化是金融体制改革的重要内容,也是要素市场改革的核心之一,作为资金的价格信号,利率在总量上影响着一国的储蓄、投资以及货币供给和需求,在结构上影响着资源配置效率、金融机构转型、产业调整和国民收入再分配,对加快
Market-based interest rate refers to the decision-making power to the market by the market itself to determine the interest rate process. The market-based interest rate reform is a systematic project that includes the process of determining interest rates, conducting interest rates, rate structure and market-based interest rate management. Market-based interest rate reform is an important part of the financial system reform. It is also one of the core elements of market reforms. As the price signal of funds, interest rates affect the total amount of savings, investment and money supply and demand in a country, affecting the structure The efficiency of resource allocation, the restructuring of financial institutions, industrial restructuring and the redistribution of national income have contributed to the acceleration of