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利率是资金的价格,其市场化程度可以决定金融资源的配置效率。国际实践表明,在促进经济增长、保证金融资源有效配置和实现内外均衡等方面利率市场化发挥着重要的作用。在我国不断深化改革的今天,利率市场化已然成为金融改革的重中之重,我国商业银行也会因此受到重大影响。利率市场化改革,即是官方放松存贷款利率管制、解除对银行存贷利差的保护的过程。利率市场化改革目的是在市场机制的作用下,发挥利率作为货币资金的价格和货币政策工具的双重属性,即充分
Interest rate is the price of funds, and its degree of marketization can determine the allocation efficiency of financial resources. International practice shows that it plays an important role in marketization of interest rates in promoting economic growth, ensuring the effective allocation of financial resources and achieving internal and external equilibrium. In the continuous deepening of our country’s reform, the marketization of interest rates has become the top priority of the financial reform and our commercial banks will also be greatly affected. Market-oriented interest rate reform, that is, the official relaxation of deposit and lending rates, the lifting of the bank deposit and lending spread protection process. The purpose of the market-based interest rate reform is to exert the dual attribute of interest rate as the price of monetary funds and the monetary policy instrument under the action of the market mechanism, that is, full