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央行取消利率下限的通知发出之后,引起了社会各界针对这一通知将对我国金融业以及国内经济造成何种影响的热议。近年来,我国一直在推进利率市场化进程,这一举措正是推动该进程的重要一步,将对我国利率市场化改革产生深远影响,然而这一影响将随着时间变化不断深入。本文在介绍当前利率定价的基础上,探讨决定市场贷款规模的因素,通过分析取消利率对市场主体短期、中长期不同的影响,对这一政策进一步实施提出可行性建议。
After the central bank canceled the notification of the interest rate floor, it aroused heated calls from all sectors of society for the impact this notice will have on China’s financial industry and the domestic economy. In recent years, our country has been advancing the marketization of interest rates. This move is an important step in promoting this process and will have a far-reaching impact on the marketization and reform of interest rates in our country. However, this influence will continue to deepen over time. Based on the introduction of the current pricing of interest rates, this article explores the factors that determine the size of the market loans. By analyzing the different short-term, medium-term and long-term effects of the interest rate abolition on the market participants, this article puts forward feasible suggestions on the further implementation of this policy.