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从利率市场化改革的国际经验来看,虽然各经济体面临的国内金融环境各自不同,但在利率市场化的改革过程中都面对着相同的问题,不同的是各国针对同一问题采取了不同的政策。就过去的历史经验来看,主要分为激进式和温和渐进式两种利率市场化改革的模式。从各国的利率管制到实现利率市场化的过程中,各国对相关问题的解决政策中我们可以得出不同的启示,从而更好地指导国内利率市场化改革,结合国内的实际民间借贷市场的畸形发展与正规金融市场协调发展的问题找出解决办法,并提出民间利率市场化改革建议,从而促进我国利率市场化改革系统推进。
From the international experience of market-based interest rate reform, although the domestic financial environments facing each economy are different, they all face the same problems in the process of market-oriented interest rate reform. The difference is that each country adopts a different approach to the same issue Policy. Judging from the historical experience of the past, there are mainly two modes of market-oriented reform on the interest rate and the gradual moderation. From the interest rate control of various countries to the process of marketization of interest rates, we can draw different enlightenments from various countries in the settlement policies on related issues, so as to better guide the marketization of interest rates in the domestic market and combine with the deformity of the actual domestic private lending market Develop coordinated development with the formal financial market to find solutions, and put forward the proposal of the market-oriented reform of the private interest rate so as to promote the systematic progress of the market-based interest rate reform in our country.