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此次全面放开金融机构贷款利率管制,标志着我国利率市场化改革又进一步,是进一步发挥市场配置资源基础性作用的重要举措,对于促进金融支持实体经济发展、经济结构调整与转型升级具有重要意义。同时,这项新政也带来了对企业和金融机构的双重影响。本文在对此次新政背景出简单阐述的基础上,从企业和金融机构两个角度论述了放开贷款利率管制可能产生的影响,进而得出了一些有一定预测性和建议性的结论。
The liberalization of interest rate controls on loans to financial institutions in an all-round way marks that the market-based interest rate reform in our country goes further and is an important measure to further capitalize on the fundamental role of the market in allocating resources. It is important for promoting the development of financial support for real economy, economic restructuring and transformation and upgrading significance. At the same time, this new deal has also brought a double impact on businesses and financial institutions. Based on a brief exposition of the background of the New Deal, this paper discusses the possible impact of liberalizing interest rates on loans from both the corporate and financial institutions, and draws some conclusions that are predictable and suggestive.