本文選題：利率市場化 + 銀行�。� 參考：《遼寧大學》2014年碩士論文

【摘要】：伴隨著中國經濟體制改革與金融體制改革的逐步深化，相關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金融市場合理分配資金的效率，促進經濟合理平穩(wěn)地增長，以此來提高人民的生活水平。但資金價格也就是利率價格總體上大不如商品與勞務的價格具備競爭性，所以資金的運用率還有待提高。經濟運轉的實物體系與貨幣體系二者是相得益彰的。在實際生活中，許多實物商品與勞務價格已實現(xiàn)了市場化，這就在客觀上需要貨幣價格也就是利率的市場化。 利率市場化條件改革必然會遇到一些阻礙因素，如貨幣政策沒有實現(xiàn)真正的市場化，商業(yè)銀行資產負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控能力不強。同時指出了利率市場化改革的難點主要取決于以下四個因素：貨幣當局政策的市場化、金融產品是否充足、交易行為是否自主及是否存在適合的金融市場。在此基礎上，歸納了美國、韓國及阿根廷三個代表國家利率市場化改革的經驗。然后，分析了利率市場化改革對經濟的影響。其中，研究了利率與物價水平、利率與金融深化的關系及利率市場化改革對銀行業(yè)與企業(yè)的影響。 本文正是從這個實際出發(fā)，得出研究結論：利率市場化改革是一場關系到金融系統(tǒng)內部各種經濟要素的改革。它為漸進式的改革，中國應使其由政府主導轉變?yōu)槭袌鲂枨笾鲗В唤鹑谡叻矫孢�有完善的空間；同時，概述了利率市場化改革中遇到的難點與問題。最后，文章提出了一些政策建議：消除正規(guī)的金融機構與非正規(guī)的金融機構這種長期并存的二元金融結構，并指出了基本途徑；增加Shibor的影響力與權威性；同時，大力地促進貨幣市場的發(fā)展，使其深度與廣度拓寬，積極培育市場的交易主體；推進金融產品與金融監(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，為了確保存款人不受金融系統(tǒng)不穩(wěn)定的影響，應適時地建立顯性存款保險制度。 只有真正建立和完善了貨幣市場、完善了存款保險制度的顯性建設，才能進一步推進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.
【學位授予單位】：遼寧大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F822.0

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本文編號：1899903