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6月8日、7月6日,人民银行两次在下调金融机构存款利率的同时放宽存贷款利率的浮动区间,存贷款利率市场化迈出实质性一步。7月2日,人民银行发布了《中国金融稳定报告(2012)》,对2011年我国金融体系的稳定状况进行了全面评估,报告指出,将进一步深化利率市场化和汇率形成机制等重点领域改革,为保持经济长期平稳较快增长创造良好的金融环境。这表明现在有差别的利率时代,定价机制将朝着“随行就市”进一步发展。
On June 8 and July 6, the People’s Bank of China lowered the floating rate of deposit and lending rates twice while lowering the deposit interest rates of financial institutions. The marketization of deposit and loan interest rates took a substantial step forward. On July 2, the PBC released the “Report on China’s Financial Stability (2012)” and conducted a comprehensive assessment of the stability of China’s financial system in 2011. The report pointed out that the PBC will further deepen the reform in key areas such as the interest rate liberalization and the exchange rate formation mechanism , Creating a good financial environment for maintaining a steady and rapid economic growth in the long run. This shows that in the era of different interest rates now, the pricing mechanism will further develop in the context of “going on the market.”