中国利率市场化问题探讨（Discussion on the marketization of interest rate in China）.docVIP

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中国利率市场化问题探讨（Discussion on the marketization of interest rate in China）.doc

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中国利率市场化问题探讨（Discussion on the marketization of interest rate in China）

中国利率市场化问题探讨（Discussion on the marketization of interest rate in China） Discussion on the marketization of interest rate in China Abstract: with the rapid development of Chinas economy, the demand for funds is increasing, and the current interest rate system restricts the full flow of funds. Therefore, the interest rate market is getting louder and louder. With the rapid development of Chinas market-oriented interest rate, the risk also appears, affect the stability of the financial system, even if not reasonable cause Chinese the whole economic chaos, so the study on how to effectively promote the interest rate market is more and more important. Key words] interest rate liberalization; risk; system improvement First, the background and risks of interest rate liberalization Since our country in the 1996 release of the interbank lending rate, then open the bond market interest rates, and gradually establish a mechanism of formation of a good money market and bond market, and hence determine the benchmark interest rate. Next, our country starts to adjust the interest rate structure, at the same time perfect the currency and the capital market, the rich market transaction variety, gradually expands in the enterprise financing the market interest rate proportion. Up to now, we have liberalized the upper limit management of commercial bank loan interest rates and the lower limit of deposit interest rate, and allowed the upper limit of the loan interest rate of urban and rural credit cooperatives to be 2.3 times of the benchmark interest rate. Interest rate liberalization in China has taken a solid step. With domestic banks lending spreads too high, big banks squeeze small banks discontent, let the lower limit of interest rates and deposit rates of interest is increasing. Foreign interest rate market risk: the World Bank study found that in the survey of 44 interest rate marketization countries, nearly half of the country in the process of interest rate liberalization occu