市场利率化.docVIP

东北财经大学津桥商学院本科毕业论文 我国利率市场化改革浅析 作 者 何 晴 系 别 经济系 专 业 金融学 年 级 2008级 学 号 200814133 指导教师 白玮炜 答辩日期 成 绩  内 容 摘 要 根据十六届三中全会精神，结合我国经济金融发展和加入世贸组织后开放金融市场的需要，人民银行将按照先外币、后本币，先贷款、后存款，存款先大额长期、后小额短期的基本步骤，逐步建立由市场供求决定金融机构存、贷款的利率水平形成机制，中央银行调控和引导市场利率，使市场机制在金融资源配置中发挥主导作用。由利率管制逐步实行利率市场化是市场经济国家利率制度的必然演化之路。目前我国的利率市场化已经进入实质性改革的攻坚阶段。 本文分为六大部分对利率市场化进行分析：第一部分，从概念、产生方面对其作了简要概述；第二部分，从我国利率市场化的现实状况和实施利率市场化的思路进行阐述；第三部分，分析推进利率市场化的必要性和所需具备的条件；第四部分，分析我国推进利率市场化应遵循的步骤；第五部分，列举利率市场化过程中存在的重要问题；第六部分，从五个方面进行了利率市场化改革措施的探讨；第七部分，为本文结论部分。其中，四五六部分为利率市场化改革的相关探讨部分。 关键词：利率市场化，存在问题，配套措施  Abstract According to at the third plenary session of the spirit, with Chinas economic and financial development and join the WTO opened financial the need of the market, the peoples bank will be in accordance with the first foreign currency and after local currency, first loan, after deposit, deposit first big long-term, short-term after the basic steps of small, gradually set up by the market supply and demand financial institutions to deposit, loan interest rate level formation mechanism, the central bank regulation and guide the market rate, make the market mechanism in the allocation of financial resources play a leading role. Interest rates by the progressive a market-oriented interest rate is the market economic countries interest rates system inevitable evolution of the road. At present Chinas market-oriented interest rate reform has entered the substantial crucial stage. This article is divided into six parts to interest rate liberalization analysis: the first part, from the concept, produce the brief introduction, The second part, from the present situation of the interest rate liberalization and implementation paper expounds the idea; The third part, analyzes the necessity of the interest rate liberalization and conditions