论文部分内容阅读
民间金融在给经济发展带来促进作用的同时,也引发了高利贷问题,产生不利影响。利率、汇率市场化是必然的趋势。利率市场化不能一蹴而就,要循序渐进的展开,总结了我国在推进利率市场化过程中一系列政策变化。利率改革需要具备一定的条件,考虑对银行业、储户、国有企业、货币政策的影响,首先进行银行转型,国有企业改革、建立存款保险制度、货币政策再优化,为改革提供坚实的基础。
While promoting the economic development, private finance has also triggered the problem of usury and has a negative impact. Marketization of interest rates and exchange rates is an inevitable trend. The marketization of interest rates can not be accomplished in a single step. It should be carried out step by step and summed up a series of policy changes in the process of marketization of interest rates in our country. Interest rate reform needs certain conditions to consider the impact on banking, depositors, state-owned enterprises and monetary policies. First, bank restructuring, the reform of state-owned enterprises, the establishment of a deposit insurance system and further optimization of monetary policy should be provided to provide a solid foundation for the reform.