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利率市场化是金融领域发展进步的一个必然趋势,也是我国金融界长期关注的热点问题。我国现行利率体系虽有了一定的市场化成分,但仍以利率管制下的双轨利率体系为主。本文针对这一现象,探究了现阶段影响我国利率的主要因素,同时结合国际经验,提出了我国利率市场化的推进策略。
The marketization of interest rates is an inevitable trend in the development and progress of the financial field and also a hot issue that our financial circles have long been concerned about. Although the existing interest rate system in our country has some market-oriented components, it is still dominated by the dual-rate system under the interest rate control. In view of this phenomenon, this paper explores the main factors affecting the interest rate of our country at the present stage, and puts forward the advancing strategy of marketization of interest rate in our country based on the international experience.