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我国利率市场化改革的总体思路确定为:先放开货币市场利率和债券市场利率,再逐步推进存、贷款利率的市场化。存、贷款利率市场化按照“先外币、后本币;先贷款、后存款;先长期、大额,后短期、小额”的顺序进行。近年来,我国利率市场化改革稳步推进。尤其是2004年,利率市场化迈出了重要步伐:1月1日再次扩大了金融机构贷款利率浮动区间;3月25日实行再贷款浮息制度;10月29日放开了商业银行贷款利率上限,城乡信用社贷款利率浮动上限扩大到基准利率的2.3倍,实行人民币存款利率下
The general idea of the market-based interest rate reform in our country is set as follows: Liberalize the money market interest rates and the bond market interest rates first, and then gradually promote the market-oriented deposit and loan interest rates. Deposits, lending rates marketization in accordance with “first foreign currency, after the local currency; first loan, post-deposit; first long-term, large, short-term, small” in the order. In recent years, the marketization reform of interest rates in our country has been steadily promoted. In 2004, in particular, marketization of interest rates took important steps: once again, the floating range of lending rates of financial institutions was expanded on January 1; the floating interest rate of refinancing loans was implemented on March 25; and the interest rate on commercial banks was released on October 29 The upper limit, urban and rural credit cooperatives loan interest rates floating cap extended to 2.3 times the benchmark interest rate, the implementation of RMB deposit interest rates