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作为金融改革的一部分,印度利率市场化改革始于20世纪90年代。1997年,印度放开除储蓄存款外的国内居民存款利率,并与中央银行利率脱钩。此后,放开占总存款22%的储蓄存款利率及非居民存款利率成为印度利率市场化改革的主要目标。为确保储蓄存款利率市场化改革的有序推进,2011年4月28日,印度央行公布了《储蓄存款利率市场化(征求意见稿)》,阐述储蓄存款利率市场化的优点和缺点,听取各利益相关者对于是否实行储蓄存款利率市场化的建议。在广泛征求各界意见后,2011年10月25日,印度央行正式宣布实行储蓄存款利率市场化。
As part of the financial reform, India’s interest rate liberalization began in the 1990s. In 1997, India liberalized deposit rates for domestic residents other than savings deposits and de-linked the interest rates of the central bank. Since then, the easing of the savings deposit rate of 22% of the total deposit and the non-resident deposit rate have become the major targets of the market-based interest rate reform in India. To ensure the market-based reform of savings and deposit interest rates in an orderly manner, on April 28, 2011, the Central Bank of India released the “Marginization of Savings Deposit Rate (Draft for Comment)” to explain the advantages and disadvantages of marketization of savings and deposit interest rates. Stakeholders’ Suggestions on Marketization of Savings Deposit Rates. After extensive solicitation of opinions from all walks of life, on October 25, 2011, the Central Bank of India officially announced the implementation of marketization of savings deposit rates.