论文部分内容阅读
当前,我国融入国际市场的步伐加快,我国的金融市场已是世界金融市场的重要组成部分。这就要求我国的利率实现市场化。党的十八大报告明确提出,要全面深化金融体制改革,健全促进宏观经济稳定、支持实体经济发展的现代金融体系。利率市场化改革已经成为中国金融体制改革的一个核心内容。利率市场化,对我国商业银行有着较大影响,有正反两方面的影响。本文分析探讨了利率市场化的内涵以及利率市场化的必要性,然后分析了利率市场化对我国商业银行的影响,针对不利影响,有针对性的提出了应对措施。
At present, the pace of China’s integration into the international market is accelerating. Our country’s financial market is already an important part of the world’s financial markets. This requires that our interest rate be marketized. The 18th CPC National Congress report clearly stated that it is necessary to deepen the reform of the financial system in an all-round way, perfect the modern financial system that promotes macroeconomic stability and supports the development of the real economy. Market-based interest rate reform has become a core element of China’s financial system reform. The marketization of interest rates has a great impact on China’s commercial banks, both positive and negative. This paper analyzes and discusses the connotation of the marketization of interest rates and the necessity of marketization of interest rates. Then it analyzes the impact of marketization of interest rates on China’s commercial banks, and puts forward some countermeasures aimed at adverse effects.