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为稳妥完成我国利率市场化最后一步,即放开存款利率,最终完全实现利率市场化,至少需要四项准备工作:完善大额可转让定期存单市场,为利率市场化准备“过渡机制”;建立市场基准利率体系,为利率市场化创造“衔接机制”;鼓励商业银行开展综合化经营,为利率市场化提供“避险机制”;加快存款保险制度建设,为利率市场化建立“兜底机制”。
In order to properly complete the final step of marketization of interest rates in our country, that is, letting aside deposit rates and finally realizing the full marketization of interest rates requires at least four preparatory work: perfecting the market for large-value negotiable certificates of deposit and preparing for the “transitional mechanism” for marketization of interest rates. ; To establish a market benchmark interest rate system to create a “convergence mechanism” for marketization of interest rates; to encourage commercial banks to conduct integrated operations and provide a “hedging mechanism” for marketization of interest rates; to speed up the construction of deposit insurance system and marketization of interest rates Build “backdoor mechanism ”.