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央行日前宣布全面放开金融机构贷款利率管制,外界普遍认为这是利率市场化迈向攻坚阶段的标志。时至今日,利率市场化已经历经20余年的努力,先后走过货币市场、债券市场的市场化过程,而今,最后一步存贷款利率市场化也只剩开放存款利率“半步之遥”。此次放开贷款利率限制吸引了全社会的目光,原因有二:一是市场更加期待存款利率市场化的出台;二是放开存贷利
The central bank recently announced the full liberalization of interest rate controls on lending by financial institutions. It is generally believed that this is a sign that the interest rate marketization has taken a crucial stage. Today, the marketization of interest rates has gone through more than 20 years of hard work. It has gone through the marketization of the money market and the bond market. Nowadays, the market-oriented interest rate of deposit and lending in the last step is only open to deposit interest rates. “Half a step away” . The liberalization of lending rates has attracted the attention of the whole society for two reasons. First, the market is more anticipating the introduction of the market-based deposit rate. Second, opening up deposits and loans