CD应该作为下一步利率市场化的突破口。放开CD市场估计可使得10%左右的存款利率市场化,但又不至于突然推高全部存款利率的水平,过分挤压银行利差。如果重启CD工具,为谨慎起见,建议在初期将最低面额定在100万元,因为上个世纪80年代末试点时将最低面额定为500元是失败的原因之一。本文所讨论的CD指大额可转让定期 CD should be used as a breakthrough in the market-based interest rate. Letting go of the CD market is estimated that a 10% deposit rate will be marketized but it will not suddenly push up the level of the entire deposit interest rate and over squeeze the bank spread. If you restart the CD tool, for the sake of caution, it is advisable to set the minimum denomination initially at $ 1 million because one of the reasons for the failure was to set the minimum face value to $ 500 at the pilot stage in the late 1980s. The CD discussed in this article refers to large transferable regular