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近年来,利率市场化改革作为金融改革的重要内容稳步推进并取得一系列进展,货币市场利率、债券市场利率、外币存贷款利率已经实现了市场化,人民币贷款利率管制也在2013年7月全面放开。目前仅保留对人民币存款利率上限的管理,而这也是国际公认的利率市场化进程中最为关键和风险最大的阶段。可以说,我国利率市场化改革已经进入攻坚阶段,存款利率的进一步放开必然会对整个银行业产生巨大影响。因此,在借鉴国外经
In recent years, the market-based interest rate reform has been steadily pushed forward and made a series of progress as an important part of the financial reform. Market interest rates on money market, interest rates on the bond market and foreign currency deposits and loans have been marketized. The interest rate control on RMB loans was also fully implemented in July 2013 open. At present, only the management of the upper limit on the deposit rate of RMB deposits is retained, which is also the most crucial and riskiest phase in the internationally recognized interest rate liberalization process. It can be said that our market-oriented interest rate reform has entered a crucial stage. The further liberalization of the deposit interest rate will inevitably have a tremendous impact on the entire banking industry. Therefore, learn from foreign economics