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利率市场化是政府和央行取消了利率上限,使各金融机构相互竞争,从而实现由市场决定利率的现象。在如今复杂多变的金融市场中,我国金融业要想稳步增长,适应世界潮流,利率市场化的改革是必不可少的,如今我国各方面都已经为利率市场化改革奠定了基础,利率市场化改革已逐渐水到渠成。本文主要通过对国际上利率市场化的经验分析以及对我国利率市场化现状的解剖,提出我国商业银行在利率市场化改革中可能面临的挑战,同时给出了一些建议。
The marketization of interest rates is a phenomenon in which interest rates are canceled by the government and the central bank and the financial institutions compete with each other in order to realize market-determined interest rates. In today’s complex and ever-changing financial market, China’s financial industry needs to grow steadily to adapt to the global trend. Market-oriented reform of interest rates is indispensable. Nowadays, all aspects of our country have laid the foundation for market-based interest rate reform. Interest rate markets The reform has gradually come of its own. This paper mainly analyzes the experience of marketization of interest rate in the world and the anatomy of marketization of interest rate in our country. It puts forward the challenges our country’s commercial bank may face in the marketization of interest rate reform and gives some suggestions.