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近期人民银行连续下调基准利率,并扩大存贷款利率浮动区间,其中,允许存款利率适度上浮,这对利率市场化以至整个金融改革都具有里程碑的意义。利率市场化是发挥市场配置资源作用的重要手段,体现了金融机构自主定价权和客户的选择权,反映了差异性、多样性金融产品和服务的供求关系。按照“先放开货币市
Recently, the People’s Bank of China successively lowered the benchmark interest rate and expanded the floating range of deposit and loan interest rates. Among them, allowing the interest rate of deposit to float moderately has a milestone in the marketization of interest rates and the entire financial reform. The marketization of interest rates is an important means of giving play to the role of market in allocating resources. It reflects the independent pricing power of financial institutions and the right of customers to choose, reflecting the supply and demand of diverse and diversified financial products and services. According to ”let go of the currency market