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利率市场化过程就是创造利率市场化条件的过程。20世纪70年代以后的近20年,世界上许多国家和地区推行了利率市场化改革。美国、日本、新西兰、等国家和我国台湾地区相继取得了成功,而智利、乌拉圭、阿根廷、菲律宾等国则引发了金融混乱或金融危机。国际经验和教训表明,利率市场化需要一系列条件的成熟和正确的步骤,各国应根据自身国情选择推进方式。中国的利率市场化必须借鉴国际经验,结合本国实际,制定一套具有中国特色的方针。
The process of marketization of interest rates is the process of creating market conditions for interest rates. In the last 20 years since the 1970s, many countries and regions in the world have introduced market-based interest rate reforms. The United States, Japan, New Zealand, and other countries and Taiwan in China have succeeded one after another, while countries such as Chile, Uruguay, Argentina and the Philippines have triggered financial chaos or financial crisis. The international experience and lessons show that the marketization of interest rates requires a mature and correct set of conditions. All countries should choose ways of promoting them according to their national conditions. China’s interest rate marketization must learn from international experience and formulate a set of guidelines with Chinese characteristics in the light of its actual conditions.