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1金融改革渐呈明朗化2014年,中国金融改革最大的亮点是放开一批中小型、区域性金融机构准入门槛,尤其是区域性银行,这为当地中小型企业贷款提供了新的机遇。同时,即将全面推进的利率市场化,将从目前的年利率3%上升至5%。随着存款利率的上升,贷款利率可能出现一定的上涨。另一方面,汇率形成机制改革是金融改革的另一场重头戏。随着中国经常账户余额与GDP之比逐步下降以及美国量化宽松政策逐步
1 Financial reform is becoming clearer In 2014, the biggest highlight of China’s financial reform was the easing of the access threshold for a number of small, medium and regional financial institutions, especially regional banks, which provided new opportunities for local SME loans . In the meantime, the market-based interest rate to be promoted in an all-round way will rise from 3% of the current annual interest rate to 5%. As deposit rates rise, lending rates may rise somewhat. On the other hand, the reform of the exchange rate formation mechanism is another highlight of the financial reform. With China’s current account balance and the gradual decline in the ratio of GDP and the United States quantitative easing gradually