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利率市场化改革随着我国加入WTO和社会主义市场经济体制的日益完善而不可避免。但是,利率市场化不等于完全放开的自由利率。实现利率市场化除了要有相对完善的市场经济体制、较为发达的资金市场、多元化的金融结构等条件外,还要求金融当局掌握一整套调控的措施和方法。从当前国内外的经济环境和金融环境来看,我国加快利率市场化改革的时机已经基本成熟,但需要稳步推进。
The marketization of interest rate reform is inevitable with China’s entry into the WTO and the increasingly perfect socialist market economic system. However, marketization of interest rates does not amount to a completely liberalized free interest rate. In addition to the relatively perfect market economy system, the more developed capital market and the diversified financial structure, the marketization of interest rates requires the financial authorities to have a complete set of measures and methods for regulation and control. Judging from the current economic environment and financial environment both at home and abroad, the timing of China’s market-based interest rate reform has basically reached its maturity, but it needs to be steadily promoted.