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自2013年起,中国利率市场化改革明显提速,政府和相关监管机构陆续推出了一系列的改革举措。2013年7月19日,央行宣布全面放开贷款利率管制;2013年10月25日,贷款基础利率集中报价和发布机制正式开始运行;2013年12月8日,央行发布了大额可转让存单的发行和交易细则。我国将近20年的利率市场化改革进入攻坚阶段,如何进行最后的存款利率市场化改革,至关重要。本文期望通过借鉴国外存款利率市场化改革的成功经验,顺利完成利率市场化改革。
Since 2013, the market-oriented interest rate reform in China has obviously accelerated. A series of reform measures have been launched by the government and related regulatory agencies. On July 19, 2013, the central bank announced the full liberalization of lending rate control. On October 25, 2013, the centralized pricing and issuance mechanism of loan-based interest rates officially started to operate. On December 8, 2013, the central bank released a large amount of negotiable certificates of deposit The issue and trading details. China’s market-oriented interest rate reform for nearly 20 years has entered a crucial stage. It is of vital importance how to carry out the final market-oriented reform of deposit interest rates. This article expects to successfully carry out the market-based interest rate reform by drawing on the successful experience of market-based reform of deposit rates in foreign countries.