关于推进我国利率市场化的探讨

随着我国改革开放的进一步深入,尤其是金融市场的对外开放,实现利率市场化成为我国推进社会主义市场经济和参与国际金融市场的必要条件。1996年放开银行间同业拆借利率以来,我国开始有步骤地实施利率市场化,取得了明显的成绩。但就目前来看,利率市场化改革远未完成,还存在一些制约因素。要达到利率市场化目标,应进一步完善和发展金融市场,为利率市场化提供运行机制;加强金融监管,确保市场的公平透明;提高央行货币政策的独立性,减少政府干预;造就一个较能有效进行自我管理的银行体系,培育健康的市场主体。

A study on promoting market-oriented interest rate

As the deepening of China＇s reform and opening,especially the opening of financial market,market-oriented interest rate should be further improved to promote socialist market economy and to participate in international financial market.China has been carrying out market-oriented interest rate step by step since inter-bank offered rate was deregulated in 1996,and great achievement has been made.But the reform is far from completion,There have been still some restrictive factors so far.For the achievement of that goal,financial market should be perfected and developed We should also strengthen financial supervision,improve the independence of the central bank monetary policy,and make a more effective conduct self-management bank system.