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面对利率市场化大趋势所带来的机遇和挑战,农发行应当在坚持经济金融改革大方向的前提下,把握自身优势特点,寻求多种途径化解面临的不利因素,在战略定位、风险管控、业务转型、人才培养等方面,不断突破与创新。中国人民银行决定自2014年11月22日起下调金融机构人民币存贷款基准利率,同时将金融机构存款利率浮动区间的上限由基准利率的1.1倍调整为1.2倍。这是继2012年6月存款利率上限扩大到基准利率的1.1倍后,我国存款利率市场化改革的又一重要举措,标志着我国利率市场化改革进
Faced with the opportunities and challenges posed by the megatrends of interest rate liberalization, the ADBC should find its own advantages and characteristics and seek ways to resolve its unfavorable factors under the precondition of the general direction of its economic and financial reforms. In the strategic positioning and risk control , Business transformation, personnel training and other aspects, continuous breakthrough and innovation. The People’s Bank of China decided to lower the benchmark deposit and lending rates of financial institutions from November 22, 2014, and adjust the upper limit of the floating range of deposit interest rates of financial institutions from 1.1 times of the benchmark interest rate to 1.2 times. This is another important measure of market-oriented reform of deposit interest rate in our country after the upper limit of deposit interest rate was extended to 1.1 times of the benchmark interest rate in June 2012, marking the marketization reform of interest rate in our country.