从监管机关角度看。利率市场化后,银行的资产负债管理变得更困难,为了减低银行经营风险,不再单靠同业拆借和大众存款,监管机关须考虑容许银行向批发客户和同业发行存款证,吸纳大额而利率水平随着市场变化或银行的设定的利息期(interest Period)挂钩,其次,容许银行发行和利率挂 From the regulatory perspective. After the marketization of interest rates, asset and liability management of banks becomes more difficult. In order to reduce bank operating risks, interbank borrowing and public deposits are no longer required. Regulators should consider allowing banks to issue certificates of credit to wholesale customers and their peers to absorb large sums of money The interest rate level is linked with the market changes or the bank’s set interest period. Second, it allows banks to issue and interest rate linked