本文選題：利率市場化　切入點：利率管制　出處：《華東政法大學》2012年碩士論文

【摘要】：利率市場化是進行金融體制改革的核心和關鍵，近年來，隨著我國社會主義市場經(jīng)濟建設的不斷深入、國際經(jīng)濟一體化以及金融全球化進程不斷加快，我國現(xiàn)存的利率管制體制愈來愈不適應我國當前的經(jīng)濟發(fā)展要求，其存在的各種弊端也在不斷顯現(xiàn)，因此，加快推進我國的利率市場化改革勢在必行。 早在上個世紀九十年代中期，我國的利率市場化改革就已經(jīng)開始，經(jīng)過十多年的發(fā)展，雖然已經(jīng)取得了一些成就，比如，在貨幣市場和債券市場基本上已經(jīng)實現(xiàn)了利率市場化，存貸款利率也已經(jīng)實現(xiàn)了“存款管上限，貸款管下限”的階段性目標，但是，距離真正實現(xiàn)利率市場化還有很長的路要走。因此，在我國當前社會主義金融體制改革的關鍵時刻，利率市場化必須要繼續(xù)深入下去。但是，利率市場化本身就是一個非常復雜的過程，在其不斷深入和發(fā)展的過程中將會面臨著各種各樣的風險和困難，這些風險的存在將會嚴重干擾我國利率市場化進程的加快，因此，全面的分析這些風險和困難并找出應對這些風險的法律措施就顯得尤為重要了。 本文就是從我國的利率市場化改革入手，在厘清利率市場化定義的基礎上,全面分析我國進行利率市場化改革的必要性和已經(jīng)取得的階段性成果，并對利率市場化改革進程中將要面臨的各種風險進行詳細分析,繼而從法律層面提出有效的應對之策，以有力地推動我國利率市場化改革不斷深入。本文共分為三個部分，第一部分主要是對利率市場化的定義進行較為詳細的界定,以及對其顯著特征進行全面的總結，同時將利率市場化的意義進行較為具體的歸納。第二部分主要從我國的利率體制現(xiàn)狀入手，分析我國當前的利率市場化改革已經(jīng)取得的顯著成就，并對利率管制體制的弊端進行比較具體、詳細的說明，從而對我國繼續(xù)深化利率市場化改革的必要性進行較為詳細的闡述。第三部分主要是應用分析和歸納的方法，對我國在全面推進利率市場化改革的進程中所要面對的各種風險進行總結，，通過對各種風險逐一進行分析，并從法律層面上有針對性的提出有效的應對之策，以化解我國在利率市場化改革進程中的各種風險，最終實現(xiàn)全面推動我國利率市場化進程的進一步深化。
[Abstract]:Interest rate marketization is the core and key of financial system reform. In recent years, with the development of socialist market economy in China, the process of international economic integration and financial globalization has been accelerated.The existing interest rate control system in our country is becoming more and more unsuitable for the demand of our country's current economic development, and its various disadvantages are also appearing constantly. Therefore, it is imperative to speed up the reform of interest rate marketization in our country.As early as the mid-1990s, the interest rate marketization reform in China began. After more than a decade of development, although some achievements have been made, for example, interest rate liberalization has basically been achieved in the money market and the bond market.The deposit and loan interest rate has also realized the stage goal of "deposit management upper limit, loan management lower limit", but there is still a long way to go to realize the real marketization of interest rate.Therefore, at the key moment of the reform of the socialist financial system, the marketization of interest rate must continue to go on.However, interest rate marketization itself is a very complex process, in its continuous deepening and development process will face a variety of risks and difficulties, the existence of these risks will seriously interfere with the accelerated process of interest rate marketization.Therefore, comprehensive analysis of these risks and difficulties and find out the legal measures to deal with these risks is particularly important.This article starts with the interest rate marketization reform in our country, on the basis of clarifying the definition of the interest rate marketization, comprehensively analyzes the necessity and the stage achievement of the interest rate marketization reform in our country.This paper also analyzes in detail the various risks that will be faced in the process of interest rate marketization reform, and then puts forward effective countermeasures from the legal level in order to push forward the reform of interest rate marketization in our country.This paper is divided into three parts. The first part is to define the definition of interest rate marketization in detail, and to sum up its significant characteristics, at the same time, to sum up the significance of interest rate marketization more concretely.The second part mainly starts with the present situation of the interest rate system in our country, analyzes the remarkable achievement that our country's current interest rate marketization reform has already obtained, and carries on the quite concrete, detailed explanation to the interest rate control system malpractice.Therefore, the necessity of deepening the reform of interest rate marketization in China is expounded in detail.The third part mainly applies the method of analysis and induction to sum up all kinds of risks that our country has to face in the process of pushing forward the reform of interest rate marketization one by one through the analysis of each kind of risk.In order to resolve the various risks in the process of interest rate marketization reform, the author puts forward some effective countermeasures from the legal aspect, and finally realizes the further deepening of the interest rate marketization process in China.
【學位授予單位】：華東政法大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：D922.28

【參考文獻】

相關期刊論文 前8條

1 李社環(huán);國外利率自由化時期的銀行危機及其對中國的啟示[J];改革;2001年04期

2 牛o

本文編號：1705693