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日前有金融专家提出 ,实现存、贷款利率市场化是中国利率市场化改革目标的关键 ,贷款利率要逐步实行下限管理 ,存款利率要上限管理 ,最后完全放开由市场决定利率。贷款利率实行下限管理本质是贷款“价高者得”。银行在贷款过程中最重要的是进行风险控制 ;而控制风险面临的主要?
Recently, some financial experts pointed out: To realize the market-oriented interest rate deposit and lending is the key to the goal of marketization of interest rates in China. The interest rate of loans should be gradually managed at a lower limit and the deposit interest rate should be capped. Finally, the interest rate determined by the market should be completely liberalized. The essence of the lower limit of the implementation of loan interest rates is the loan, “the highest bidder.” Bank loans in the process of the most important is the risk control; and control the risk of the main?