“放松贷款利率管制”:现实选择、理论模型与经济效应  

“Unlocking Loan Interest Rate”:Realistic Choice,Theoretic Model and Economic Effect

作　　者：刘春梅[1] 

机构地区：[1]南开大学经济研究所,天津300071

出　　处：《河北大学学报（哲学社会科学版）》2006年第1期68-73,共6页Journal of Hebei University(Philosophy and Social Science)

摘　　要：中国放松贷款利率管制同时约束存款利率有其深刻的时代背景;在斯蒂格利茨等人“金融约束”理论的基础上,提出了一个“约束存款利率、放松贷款利率管制”的理论模型,旨在分析放开贷款利率可望产生的经济效应;最后结论:“金融约束”理论中放开贷款利率上限虽存在局限性,但仍是中国金融改革的必由之路。Unlocking loan interest rate is one of the most important issues of financial liberalization. In this article, we consider that the reform of unlocking loan interest rate and restraining deposit interest rate has relevant realistic background. Based on Stiglitzs＇ theory of financial restraint, we establish a Model of ＂unlocking loan interest rate and restraining deposit interest rate＂ and analyze the coming economic effect after the reform. We draw a conclusion that although the reform has its localization, which is the only way to financial reform in China.

关 键 词：贷款利率 金融约束 经济效应 

分 类 号：F83[经济管理—金融学]