利率市场化和我国国有商业银行对策.docVIP

利率市场化与我国国有商业银行对策 Interest rates liberalization with our country state-owned Commercial bank countermeasure 利率市场化是中国金融体制改革的一项重要内容。随着中国金融市场的开放以及外资银行抢滩中国市场的深入，，, 以适应国际经济、金融一体化的要求, 成为商业银行需要认真研究的课题。 The interest rates liberalization is a China reform of monetary system important content. Hasten to ground the Chinese market along with China money markets opening as well as the Foreign bank thorough, how does the state-owned Commercial bank face the interest rates liberalization the challenge, the full use international division of labor, participates in the international finance competition positively, adapts the international economy, the financial integration request, becomes topic which the Commercial bank needs to study earnestly. 什么是利率市场化 Is assorted is the interest rates liberalization 所谓利率市场化，是指金融市场资金供求双方自主确定利率水平的利率决定机制的变迁过程。具体讲，利率市场化是指中央银行根据货币政策的需要调控基准利率，各商业银行根据资金市场的供求变化自主调节存贷款利率，最终形成以中央银行基准利率为引导，多层次、能够充分体现资金供求状况和反映中央银行货币政策意图的利率运行机制。利率市场化强调利率真实地反映资金成本与供求关系，灵活有效地发挥其经济杠杆作用 The so-called interest rates liberalization, is refers to the money market fund supply and demand both sides independent determination interest rate level the interest rate decision mechanism vicissitude process. Says specifically, the interest rates liberalization is refers to the Central Bank to need to regulate the datum interest rate according to the monetary policy, various Commercial bank saves the rate on loan according to the fund markets supply and demand change independent adjustment, finally forms take the Central Bank datum interest rate as the guidance, multi-level, can manifest fund supply and demand condition and the reflection central bank money policy intention interest rate operational mechanism fully. The interest rates liberalization emphasis interest rate reflected really the fund cost and the supply-demand relation, play its economic levers role effectively nimbly 我国利率市场化的现状 First, our country interest rates liberalization present situation 相对于中国经济改革和对外开放的整体步伐而言，利率市场化改革进展较慢。就