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2012年6月7日,中国人民银行在宣布下调金融机构人民币存贷款基准利率的同时,宣布调整利率浮动区间,将金融机构存款利率浮动区间上限调整为基准利率的1.1倍,将金融机构贷款利率浮动区间的下限调整为基准利率的0.8倍;7月5日,人民银行再次宣布非对称下调商业银行存贷款利率,将贷款利率浮动区间下限调整为基准利率的0.7倍。两次放宽利率浮动区间,是2004年以来我国利率市场化改革的重要步骤,拉开了利率市场化最后攻坚战的序幕。那么,改革的继续深化面临哪些制约因素?我国银行业是否真的做好了准备?为此,本刊约请业内专家从不同视角共同探讨“利率市场化与银行经营转型”这一话题。
On June 7, 2012, the PBOC announced that it should lower the benchmark interest rate of RMB deposits and loans of financial institutions, announced the adjustment of the floating range of interest rates, adjusted the upper limit of the floating range of deposit interest rates of financial institutions to 1.1 times the benchmark interest rate, July 5, the People’s Bank once again announced the asymmetric reduction of commercial bank deposit and lending rates, the lower limit of the floating rate of lending rates adjusted to 0.7 times the benchmark interest rate. To relax the floating range of interest rates twice is an important step in marketization of interest rate reform in our country since 2004, opening the final stage of the crucial battle of interest rate marketization. So, the reform continues to deepen what constraints are faced with? China’s banking industry is really ready? To this end, the journal invited industry experts from different perspectives to jointly discuss “interest rate liberalization and bank management ” this topic.