利率市场化及其条件构造-金融学专业论文.docxVIP

利率市场化及其条件构造 利率市场化及其条件构造 摘要 r 押J率市场化是个历久弥新的课题，从上世纪70年代的金融自由 化潮流，至90年代金融危机引发的金融自由化反思，人们一直以发 展的眼光关注、研判着利率市场化。研究、分析利率市场化及其条件 构造之间的矛盾，对症下药地寻找解决问题的对策，既是对国际利率 市场化成败经验的总结，又是解决我国利率市场化进程迟缓问题、进 一步深化利率市场化改革的关键所在。y 本文共有五章，分三部分进行论述：第一部分是第一章，说明了 利率市场化的理论依据，并运用数学模型直观地阐明取消利率管制、 实行利率市场化的积极意义；第二部分包括第二、三章，主要是进行 实证分析，先对比分析典型国家的利率市场化历程，从个性中寻找共 性，总结了六条经验，再回顾了我国利率市场化的历程，揭示了各个 环节暴露的问题，指出部分国家利率市场化改革失败和我国前期改革 实践中诸多问题存在的根源都在于相关条件不够完善：第三部分包括 第四、第五章，着重从必备条件和配套制度两方面分析制约我国利率 市场化深化的因素，提出在利率市场化的过程中创造其所需条件的思 路，并对创造基本条件及完善配套制度的具体策略进行了探讨。 文章在论述过程中先后运用了理论引证、数学模型分析、国际案 例比较借鉴、本国利率市场化历程实证分析等研究方法。在前人已有 研究的基础上，进一步提出利率市场化的过程就是创造利率市场化条 件的过程，要在利率市场化过程中创造、完善相关条件的观点，指出 要从我国的实际情况出发，采取立体推进战略和渐进模式来推进利率 市场化进程。 —、√ 关键词： 利率市场化 条件 构造 ， THE THE MARKETIZATIoN oF INTEREST RATE AND THE CREATIoN oF ITS CoNDITIoNS ABSTRACT The marketization of interest has been enduring and has aroused more and more interests along with the lapse of time．From the wave of financial 1iberalization in 1970s the reflection and re—examination of financial Iiberalization inspired by the financial crises in 1 990s，this issue had been of many people and they have examined it with progressive perspective．In order generalize other countries’experiences in this regard，successes and failures，and find the solutions the delay of interest reform in country，we have analyze the contradictions between the process of marketization and the construction of its conditions and find the solutions these contradictions． This paper consists of five chapters．Chapter 1 the theoretical foundation of the interest marketization and its positive significance will be illustrated by mathematical models．Chapter 2 and Chapter 3 will approach the issue empirically．1 will generalize the experiences of some other countries in this regard and overview the whole process of the interest marketization in country and then 1 will argue that the of the failures of some other countries and the many problems of country’S early reform lie in the insufficiency of the relevant conditions．I