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利率市场化改革是一个系统工程,不仅是实现存款利率的浮动和减小利差这些形式上的标志,还要改革和完善支撑利率市场化的一系列背后的经济条件、市场条件、监管条件和体制条件等。价格机制是市场机制的核心。利率市场化改革实质上就是充分发挥资金的价格——利率在资金配置中的关键作用,从而实现资金流向和金融资源配置的不断优化。因此,利率市场化改革是新一轮金融改革的重中之重,同时也是商业银行改革和转型的重要条件和推动力量。
The market-based interest rate reform is a systematic project. It is not only a formal symbol of floating deposit interest rates and reducing interest spreads, but also a series of economic conditions, market conditions, regulatory conditions and market conditions that support the marketization of interest rates System conditions and so on. The price mechanism is the core of the market mechanism. In essence, interest rate liberalization is to give full play to the price of funds - the key role of interest rates in the allocation of funds so as to achieve the optimization of the flow of funds and the allocation of financial resources. Therefore, the market-based interest rate reform is the top priority of the new round of financial reform and an important condition and driving force for the reform and restructuring of commercial banks.