本文選題：利率管制　切入點：利率市場化　出處：《中國社會科學院研究生院》2014年博士論文

【摘要】：美國的利率管制（也稱Q條例管制），是一項以提高利潤來保護銀行的金融監(jiān)管政策。從1933年開始，到2011年結束，它的內容包括禁止活期存款付息、設置商業(yè)銀行定期存款與儲蓄存款利率上限、儲蓄機構定期存款與儲蓄存款利率上限。 本文的目的是以相關理論為依據，通過對美國歷時七十八年的利率上限管制進行深入地分析，解釋美國利率管制及其取消的內在機理，從而，在對比中美利率管制目的、機理、制度條件的前提下，結合中國利率管制的特殊性，對如何推進中國的利率市場化給出有條理的回答。 本文分為六個部分。首先是對利率管制歷史和利率理論的總結。歷史方面，主要在第一章介紹政府立法形式的法定上限利率管制，和宗教教義形式的禁付利息管制，并從中揭示出，市場機制是影響和決定利率管制對象、目的和效力的決定因素。在理論方面，主要在第一章和第二章綜述了利率和利率管制的相關理論。本文把利率理論歸結為利率的決定理論和利率的傳導理論。指出前者說明的是利率的信號功能，，后者說明的是利率的杠桿功能。利率管制將使利率失去信號功能，對利率杠桿功能的影響則取決于管制實施時的市場機制條件。 第三章和第四章是本文的主要部分。第三章運用存貸款模型闡明了美國利率管制的機理和效果，進一步指明了市場機制在利率管制有效性上的決定性作用。第四章闡明了美國的利率政策機制，對美國利率體系的結構和傳導機理做了說明，區(qū)別了美國的利率政策和利率管制，指出前者屬于貨幣政策，后者屬于金融監(jiān)管政策。第五章梳理了中國利率管制的歷史，揭示了它的特殊性。最后，第六章對美國利率管制進行了更為深入地剖析，并闡明了它對中國利率市場化改革的啟示。
[Abstract]:Interest rate regulation in the United States, also known as Q regulation, is a financial regulatory policy that protects banks by increasing profits. It began in 1933 and ended in 2011, and includes a ban on payment of interest on demand deposits. The upper limit of the interest rate of time deposits and savings deposits in commercial banks and the interest rates of time deposits and savings deposits in savings institutions. The purpose of this paper is to explain the internal mechanism of the interest rate regulation and its abolition in the United States through the in-depth analysis of the interest rate cap regulation in the United States for 78 years, based on the relevant theories, and to compare the purpose of interest rate control between China and the United States. Under the premise of institutional conditions and the particularity of China's interest rate regulation, this paper gives an orderly answer to how to promote China's interest rate marketization. This paper is divided into six parts. Firstly, it summarizes the history of interest rate regulation and the theory of interest rate. In the first chapter, it mainly introduces the legal upper limit interest rate regulation in the form of government legislation, and the prohibition of interest payment in the form of religious doctrine. It also reveals that the market mechanism is the decisive factor to influence and determine the object, purpose and effectiveness of interest rate regulation. In the first and second chapters, we summarize the relevant theories of interest rate and interest rate regulation. In this paper, the theory of interest rate is reduced to the theory of determining interest rate and the theory of interest rate conduction. It is pointed out that the former explains the signalling function of interest rate. The latter explains the leverage function of interest rate, and interest rate control will make interest rate lose its signalling function, and the influence on interest rate lever function depends on the market mechanism condition when the regulation is carried out. Chapter three and chapter four are the main parts of this paper. Chapter three illustrates the mechanism and effect of interest rate regulation in the United States by using deposit and loan models. The fourth chapter clarifies the interest rate policy mechanism of the United States, and explains the structure and conduction mechanism of the interest rate system in the United States. This paper distinguishes the interest rate policy of the United States from the interest rate regulation in the United States, and points out that the former belongs to monetary policy and the latter belongs to the financial supervision policy. Chapter five combs the history of interest rate control in China and reveals its particularity. Chapter six makes a deeper analysis of American interest rate regulation and expounds its enlightenment to the reform of Chinese interest rate marketization.
【學位授予單位】：中國社會科學院研究生院
【學位級別】：博士
【學位授予年份】：2014
【分類號】：F827.12;F822.0

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本文編號：1700000