北京大学风险投资研究所研究员马光远就利率市场化著文:2012年6月7日,中国央行突然宣布下调金融机构人民币存贷款基准利率,金融机构一年期存贷款基准利率同时下调0.25个百分点。在此之前,商业银行的存款利率完全由人民银行决定,商业银行既没有资金的定价权,甚至连一定的上下浮动都没有,这种价格上的管制一直保守各界的诟病,被视为中国金融改革最滞后的领域。这次央行破天荒的允许存款利率可以 On May 7, 2012, the People’s Bank of China suddenly announced that it should lower the benchmark interest rate of RMB deposit and lending in financial institutions. The one-year benchmark deposit and lending rates of financial institutions should be lowered by 0.25 percentage point at the same time. Prior to this, the deposit interest rate of commercial banks was decided solely by the People’s Bank of China. Commercial banks have neither the pricing power of funds nor even a certain degree of upward or downward fluctuations. Such price controls have been conservatively criticized by all sectors and regarded as China’s financial The most lagging areas for reform. This time-honored central bank allows deposit interest rates can be