《浅谈我国利率市场化实施的现状和建议毕业论文》.doc

浅谈我国利率市场化实施的现状和建议学生姓名：学 号： 学 院： 金融学院 专 业：中英合作金融管理 指导教师：论文成绩： 内 容 摘 要 利率市场化改革的作用发挥程度是以完整健全的市场机制为前提的，在利市场化改革的同时，我们应该注意相关配套措施的同步推进。ABSTRACT The interest rate marketization reform effect is based on market integrity as the premise, therefore in the interest rate marketization reform at the same time, we should pay attention to promote the related measures. The current practice in China is lower loan, deposit cap control of interest rate policy, the interest rate control is a system arrangement to fit in with the traditional planned economy system, played a positive role in the specific historical period, but with the capital accumulation has reached a certain scale, its disadvantages gradually exposed,interest rate control to maintain the business bank monopoly profits, but due to the lack of power to provide financial services to small and medium-sizedenterprises, resulting in a large number of emerging corporate financing gap,causing financial repression to cater to the entity economy, medium and small enterprises financing needs, taking advantage of civil finance development, folklending as a widespread financing way, is flexible, fast, convenient advantage,but prone to illegal fund-raising, usury behavior, and even lead to financial risks,the credit crisis broke out in Wenzhou in 2011 is an example. In the market economic system of our country is developed, but the interest rate reform wasnot perfect, which is more conducive to promoting Chinas economic and financial reform further deepening and integration into the global economic and financial, is the main contents of the study. ?Keywords: interest rate liberalization reform ?restricting factors?of interest rate marketization? correspondingmeasures目 录 一、概述............................................................1 二、利率市场化对行业的影响..................................1 （一）利率市场化对商业银行的影响............................1 （二）利率市场化对企业的影响................................3 三、目前国内推进利率市场化的主要措施........................