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随着我国利率市场化改革的深入推进,中国银行业将进入充满竞争、更为自由的新的发展阶段,如何适应利率市场化带来的变化,并确保中国银行业在利率市场化进程中平稳过渡、稳健运行,成为我国银行监管部门面临的新课题。笔者对利率市场化带来的主要变化和银行监管面临的挑战进行了分析,从监管思路和理念、监管规则体系建设、监管方式和手段、监管重心及监管组织体系等方面提出了提高我国银行监管有效性的对策建议。利率市场化带来的主要变化随着以存贷款利率放开为核心的利率市场化
With the deepening of the market-based interest rate reform in our country, the banking industry of China will enter into a new stage of development that is full of competition and more freedom, how to adapt to the changes brought by the marketization of interest rates and ensure that the banking industry in China is smooth in the process of marketization of interest rates Transition, steady operation, has become a new topic facing the banking regulatory authorities in our country. The author analyzes the main changes brought by the marketization of interest rates and the challenges faced by the banking supervision. The author puts forward some suggestions to improve the banking supervision in our country from the aspects of regulatory ideas and concepts, the construction of regulatory rules system, the ways and means of supervision, Effectiveness of the countermeasures and suggestions. The main changes brought about by the marketization of interest rates As the marketization of interest rates with the deposit and loan interest rate liberalization as the core