本文選題：利率市場化　切入點(diǎn)：改革　出處：《知識經(jīng)濟(jì)》2016年03期 　論文類型：期刊論文

【摘要】：利率是中央銀行實(shí)施管控的一種工具,在整個(gè)金融市場中發(fā)揮著不可磨滅的作用。利率市場化無論是從宏觀角度還是從微觀角度都對改革的進(jìn)程有著重要的影響。尤其是對于銀行業(yè)的經(jīng)營的影響尤為顯著,表現(xiàn)為總體的規(guī)模會相應(yīng)減少,整體的分布及結(jié)構(gòu)組成也會發(fā)生巨大的變化促使行業(yè)之間的競爭力增強(qiáng)。但是從宏觀上的角度來看,利率市場化對銀行業(yè)的長遠(yuǎn)發(fā)展是有益的會減少對銀行的沖擊,提升金融系統(tǒng)中銀行系統(tǒng)的競爭力。本文通過對美國、德國、日本、韓國等完成利率市場化的國家的發(fā)展道路進(jìn)行比較和借鑒,從而探索出一條最適合中國利率市場化的發(fā)展道路。
[Abstract]:Interest rates are a tool used by the central bank to enforce controls. It plays an indelible role in the whole financial market. The marketization of interest rate has an important influence on the reform process, not only from the macro point of view, but also from the micro point of view. It is shown that the overall scale will decrease correspondingly, and the overall distribution and structural composition will also change greatly to promote the competitiveness between industries. But from a macro point of view, Marketization of interest rates is beneficial to the long-term development of the banking industry. It will reduce the impact on banks and enhance the competitiveness of the banking system in the financial system. South Korea and other countries that have completed the marketization of interest rate are compared and used for reference so as to explore a development road that is most suitable for the marketization of interest rate in China.
【作者單位】： 交通銀行寧波分行;
【分類號】：F832.5
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本文編號：1560021