本文選題：利率市場化 + 銀行�。� 參考：《遼寧大學(xué)》2014年碩士論文

【摘要】：伴隨著中國經(jīng)濟(jì)體制改革與金融體制改革的逐步深化，相關(guān)部門也加快了利率市場化方面的改革。利率市場化改革的宗旨是增強(qiáng)金融市場合理分配資金的效率，促進(jìn)經(jīng)濟(jì)合理平穩(wěn)地增長，以此來提高人民的生活水平。但資金價(jià)格也就是利率價(jià)格總體上大不如商品與勞務(wù)的價(jià)格具備競爭性，所以資金的運(yùn)用率還有待提高。經(jīng)濟(jì)運(yùn)轉(zhuǎn)的實(shí)物體系與貨幣體系二者是相得益彰的。在實(shí)際生活中，許多實(shí)物商品與勞務(wù)價(jià)格已實(shí)現(xiàn)了市場化，這就在客觀上需要貨幣價(jià)格也就是利率的市場化。 利率市場化條件改革必然會(huì)遇到一些阻礙因素，如貨幣政策沒有實(shí)現(xiàn)真正的市場化，商業(yè)銀行資產(chǎn)負(fù)債表的可靠性有所欠缺，企業(yè)競爭環(huán)境不公平，金融監(jiān)管體系的不完善和政府的調(diào)控能力不強(qiáng)。同時(shí)指出了利率市場化改革的難點(diǎn)主要取決于以下四個(gè)因素：貨幣當(dāng)局政策的市場化、金融產(chǎn)品是否充足、交易行為是否自主及是否存在適合的金融市場。在此基礎(chǔ)上，歸納了美國、韓國及阿根廷三個(gè)代表國家利率市場化改革的經(jīng)驗(yàn)。然后，分析了利率市場化改革對(duì)經(jīng)濟(jì)的影響。其中，研究了利率與物價(jià)水平、利率與金融深化的關(guān)系及利率市場化改革對(duì)銀行業(yè)與企業(yè)的影響。 本文正是從這個(gè)實(shí)際出發(fā)，得出研究結(jié)論：利率市場化改革是一場關(guān)系到金融系統(tǒng)內(nèi)部各種經(jīng)濟(jì)要素的改革。它為漸進(jìn)式的改革，中國應(yīng)使其由政府主導(dǎo)轉(zhuǎn)變?yōu)槭袌鲂枨笾鲗?dǎo)；金融政策方面還有完善的空間；同時(shí)，概述了利率市場化改革中遇到的難點(diǎn)與問題。最后，文章提出了一些政策建議：消除正規(guī)的金融機(jī)構(gòu)與非正規(guī)的金融機(jī)構(gòu)這種長期并存的二元金融結(jié)構(gòu)，并指出了基本途徑；增加Shibor的影響力與權(quán)威性；同時(shí)，大力地促進(jìn)貨幣市場的發(fā)展，使其深度與廣度拓寬，積極培育市場的交易主體；推進(jìn)金融產(chǎn)品與金融監(jiān)管制度不斷地創(chuàng)新，包括金融監(jiān)管制度、金融監(jiān)管模式、金融監(jiān)管理念的創(chuàng)新；同時(shí)，為了確保存款人不受金融系統(tǒng)不穩(wěn)定的影響，應(yīng)適時(shí)地建立顯性存款保險(xiǎn)制度。 只有真正建立和完善了貨幣市場、完善了存款保險(xiǎn)制度的顯性建設(shè)，才能進(jìn)一步推進(jìn)我國的利率市場化改革。
[Abstract]:With the gradual deepening of China's economic and financial system reform, the relevant departments have also accelerated the reform of interest rate marketization. The aim of the interest rate marketization reform is to enhance the efficiency of rational allocation of funds in the financial market and to promote the rational and steady growth of the economy in order to improve the living standards of the people. But the price of capital, that is, the price of interest rate, is not as competitive as the price of goods and services, so the utilization rate of funds needs to be improved. The physical system of economic operation and the monetary system complement each other. In real life, many real goods and services prices have realized marketization, which objectively requires the marketization of monetary price, that is, interest rate. The reform of interest rate marketization conditions will inevitably meet some obstacles, such as the failure of monetary policy to realize the real marketization, the lack of reliability of the balance sheet of commercial banks, and the unfair competitive environment of enterprises. The financial supervision system is not perfect and the government's control ability is not strong. At the same time, it points out that the difficulties of interest rate marketization mainly depend on the following four factors: the marketization of monetary authority policy, the adequacy of financial products, the autonomy of transaction behavior and the existence of suitable financial market. On this basis, the experience of interest rate marketization reform in the three represents countries of the United States, South Korea and Argentina is summarized. Then, analyzed the interest rate marketization reform to the economic influence. Among them, the relationship between interest rate and price level, the relationship between interest rate and financial deepening, and the influence of interest rate marketization on banking and enterprise are studied. From this point of view, this paper draws the conclusion that the reform of interest rate marketization is a reform related to various economic elements in the financial system. For the gradual reform, China should change it from government-led to market-demand-oriented; there is room for improvement in financial policy; at the same time, the difficulties and problems encountered in the reform of market-oriented interest rate are summarized. Finally, the paper puts forward some policy suggestions: to eliminate the long-existing dual financial structure of formal and informal financial institutions, and to point out the basic ways; to increase the influence and authority of Shibor; at the same time, Vigorously promote the development of the money market, widen its depth and breadth, actively cultivate the trading body of the market, promote the continuous innovation of the financial products and financial supervision system, including the financial supervision system, the financial supervision model, At the same time, in order to ensure that depositors are not affected by the instability of the financial system, the explicit deposit insurance system should be established in good time. Only by establishing and perfecting the money market and the explicit construction of deposit insurance system can we further promote the reform of interest rate marketization in China.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F822.0

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本文編號(hào)：1899903