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尽管业界一片叫好,期待新政缓解资本之渴,但“象征意义大、融资问题依然难解”的担忧也随之浮现。利率市场化正面临着利好与挑战的考验,将在很大程度上考验金融机构管理者的智慧和风险控制意识。利率市场化中最重要的“两只靴子”中的一只终于落地。经国务院批准,中国人民银行继续推行利率市场化改革,自2013年7月20日起全面放开金融机构贷款利率管制。理论上看,全面放开贷款利率管制后,金融机构与客户协商定价的空间将进一步扩大,有利于促进金融机构采取差异化的定价策略,降
Despite the applause of the industry and the expectation that the New Deal will ease the thirst for capital, the fears of “symbolic significance and financing problems remain intractable” will emerge. Market-oriented interest rates are facing the test of good and challenging and will to a large extent test the wisdom and risk control awareness of managers of financial institutions. One of the most important “two boots” in the marketization of interest rates finally landed. With the approval of the State Council, the People’s Bank of China has continued to carry out the market-based interest rate reform and fully liberalized the lending rates of financial institutions since July 20, 2013. Theoretically, after the release of lending rate control, the space for financial institutions to negotiate with their clients will further expand, which will help promote the adoption of differentiated pricing strategies by financial institutions.