本文選題：利率市場化　切入點：法律調(diào)控　出處：《山西財經(jīng)大學(xué)》2015年碩士論文

【摘要】：利率市場化改革是我國金融體制改革當中最為重要的環(huán)節(jié)，它對于平衡資金的供求關(guān)系，提高資金的利用效率，發(fā)揮政府宏觀調(diào)控職能和提升商業(yè)銀行等金融機構(gòu)的經(jīng)營水平具有十分重要的意義。我國自1996年開始對利率管制的改革使得利率市場化改革快速推進。目前，，利率市場化已進入沖刺階段。2015年3月1日起，中國人民銀行對人民幣存款和貸款基準利率進行調(diào)整，而在2015年兩會期間，李克強總理在政府報告當中也提出要推進利率市場化改革，健全中央銀行利率調(diào)控框架。這意味著利率市場化改革已經(jīng)到了臨門一腳的境地。 然而，利率市場化改革是一個全面而復(fù)雜的過程，離不開法律法規(guī)的引導(dǎo)與規(guī)范。文章分析了利率市場化中相關(guān)主體的法律關(guān)系，論述了我國利率市場化進程中法律調(diào)控的理論基礎(chǔ)和必要性，通過分析我國利率市場化法律調(diào)控存在的問題，在借鑒美國、日本和臺灣地區(qū)的利率市場化法律調(diào)控經(jīng)驗的基礎(chǔ)上，對我國利率市場化改革的法律調(diào)控提出建議。實證分析法、比較分析法和文獻研究法是本文最常用的三種方法，而本文的創(chuàng)新之處主要在于，國內(nèi)現(xiàn)有的關(guān)于利率市場化法律問題的著作大都采用的是整體上分析和提出問題并解決問題的方式，此前的著作并沒有對法律調(diào)控問題進行專門研究。在參考此前學(xué)者研究的基礎(chǔ)之上，對我國利率市場化改革進行理論分析和法律調(diào)控必要性分析，本文的研究角度側(cè)重于彌補利率市場化法律調(diào)控研究的空白，在其中提出新的觀點，例如對我國今后在利率市場化法律調(diào)控的一些具體建議等等，同時，對今后的研究具有一定的參考和指導(dǎo)意義。
[Abstract]:The reform of interest rate marketization is the most important link in the reform of China's financial system. It can balance the supply and demand of funds and improve the efficiency of the use of funds. It is of great significance to give full play to the government's macro-control function and to improve the management level of financial institutions such as commercial banks. The reform of interest rate regulation in China since 1996 has made the reform of interest rate marketization move forward rapidly. Interest rate liberalization has entered the stage of sprint. From March 1, 2015, the people's Bank of China adjusted the benchmark interest rates on renminbi deposits and loans, while during the two sessions in 2015, In his government report, Premier Li Keqiang also proposed to push forward the interest rate marketization reform and improve the central bank's interest rate regulatory framework. This means that the interest rate marketization reform has reached a crucial stage. However, the reform of interest rate marketization is a comprehensive and complex process, which can not be separated from the guidance and standardization of laws and regulations. This paper discusses the theoretical basis and necessity of legal regulation and control in the process of interest rate marketization in our country. By analyzing the problems existing in the legal regulation and control of interest rate marketization in China, the author draws lessons from the United States. On the basis of the experience of legal regulation and control of interest rate marketization in Japan and Taiwan, this paper puts forward some suggestions on the legal regulation and control of interest rate marketization reform in China. The empirical analysis method, comparative analysis method and literature research method are the three most commonly used methods in this paper. The main innovation of this paper is that most of the domestic works on the legal issues of interest rate marketization mostly adopt the way of analyzing and raising problems as a whole and solving them. Previous works have not specifically studied the issue of legal regulation and control. On the basis of reference to previous studies by scholars, the theoretical analysis and the analysis of the necessity of legal regulation of interest rate marketization reform in China have been carried out. The research angle of this paper focuses on making up the gaps in the study of legal regulation and control of interest rate marketization, and puts forward some new points of view, such as some specific suggestions on the legal regulation of interest rate marketization in the future in China, etc., at the same time, It has certain reference and guiding significance for future research.
【學(xué)位授予單位】：山西財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：D922.281

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本文編號：1676198