货币银行学论文.docVIP

结合十八大创新精神，论我国金融改革 ——货币利率改革 学院：商 学 院 专业：国际经济与贸易 姓名：黄 文 婷 学号：11 0201 3050 时间：2012. 12. 19 摘要 随着我国经济金融体制改革的发展和对外开放的日益扩大，利率市场化问题已作为一个重要改革内容提上议事日程。利率是市场经济条件下的一个极其重要的经济范畴。这一经济范畴对国家经济体制的影响是深刻的。目前我国的经济体制正处于在转轨和改革发展时期，同时金融改革也进入了一个非常关键时期，金融体系、金融市场以及金融调控法师的改革已经有一定的进展，但要使其完善必须要有利率改革的匹配不可。而现行的利率管理体制是一种利率制定者与执行者分离的体制，与社会主义市场经济极不相适应。突出表现在，当实体经济趋于热络，通胀已经表现比较明显时，我们的利率水平调整往往是滞后的，甚至根本不予变化，仍然标定在原有极低的水平上。利率由国务院统一制定，中央银行统一管理，商业银行全面执行。这种利率管理体制所脏成的弊端已严重制约了我国经济健康、持续、快速发展和金融体制改革的进一步深化。这一切需要我们研究利率，它具有现实意义。 为适应社会主义市场经济体制改革要求,保证中央银行货币政策的有效性,利率市场化将是我国金融体制改革的方向。加速我国的利率市场化改革的进程中，人们往往将注意力集中在利率改革的重大意义而忽视了改革所可能带来的种种风险。客观地来分析，我国推进利率市场化改革的风险和阻碍还是很大的。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，因此在利率市场化改革的同时，我们应该注意相关配套措施的同步推进。 ? 关键词： 货币 利率 现状 市场化 ABSTRACT With the development of economic and financial system reform and expanding opening up, the interest rate market as an important reform issue is the content put on the agenda.How in the current system of market economy has been initially developed, but the interest rate on the basis of incomplete reforms, and thus more conducive to promoting economic and financial reform in China to further deepen and integrate into the economic and financial globalization, the site is discussed in this paper content.The first chapter, the main concept of the interest rate market was defined by analysis of the current interest rate reform in Chinas main motivation, that interest rate market is the inevitable choice for Chinas financial deepening.Chapter II, combined with Chinas specific conditions that led to the analysis of interest rate reform in China were a key factor in the slow.The third chapter, on an interest rate of the current conditions of market reform analysis, while affirming the favorable conditions for interest rate reform in China at the same time, pointed out that there are adverse conditions, so that our interest rate market may encounter resistance, so as to make Chinas interest rate m