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全面放开金融机构贷款利率管制,取消金融机构贷款利率七折的下限,由金融机构根据商业原则自主确定贷款利率水平,这是我国利率市场化具有里程碑意义的重大步骤。7月19日,中国人民银行宣布放开贷款利率下限管制,这意味着利率市场化又迈出了实质性的一步,正款款而来,渐行渐近。蹒跚而行17年利率市场化是指存贷款利率均按照市场供需定价,完全由市场调节。以1996年放开同业拆借市场利率为起点,我国利率市场化改革进程迄今已经历了17年时间,碎步慢走,蹒跚而行。
We should completely liberalize the interest rate controls on financial institutions and lift the lower limit on the 30% discount on lending rates of financial institutions. The financial institutions should set their own lending rates on a commercial basis. This is a major step toward the marketization of interest rates in our country. On July 19, the People’s Bank of China announced that it should liberalize its loan interest rate limit. This means that the interest rate liberalization has taken a substantial step forward. Staggering 17-year interest rate market-oriented means that the deposit and lending rates are priced according to the market supply and demand, completely regulated by the market. Starting from the liberalization of the inter-bank borrowing rate in 1996, the process of marketization of interest rates in our country has been going through 17 years so far.