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利率是资金的价格,只有市场化的利率才能真正反映市场资本的需求状况,从而提高经济资源配置效率。当前我国的利率管制政策不仅导致资源配置效率低下,而且缺乏应有的公平。政府对金融资源的垄断使得整个金融市场分化和畸形。利率市场化改革不是洪水猛兽,要客观辨析利率市场化的内在涵义,防止陷入认识误区。当前应高度警惕既得利益集团主导、误导乃至阻碍利率市场化的改革进程,这是我国利率市场化改革难以有效推进的根本原因。
Interest rate is the price of capital. Only the market-oriented interest rate can truly reflect the demand of market capital so as to improve the efficiency of economic resource allocation. At present, China’s interest rate control policy not only leads to inefficient allocation of resources, but also lacks due fairness. The monopoly of the government over financial resources has divided and degenerated the entire financial market. Interest rate market-oriented reform is not a scourge, we must objectively differentiate the inherent meaning of market-based interest rates and prevent them from falling into misunderstandings. At present, we should be highly vigilant about the reform process that leads, misleads and even hinders the marketization of interest rates by vested interest groups. This is the fundamental reason why it is difficult to effectively promote the marketization of interest rates in our country.