商业银行存款利率市场化改革的制度思考  

Commercial Bank Deposit Interest Rate Liberalization from Institutional Perspective

作　　者：孙军[1] 孔令学[1] 王洪刚[2] 王树春[2] 

机构地区：[1]中国人民银行济南分行,山东济南250021 [2]中国人民银行东营市中心支行,山东东营257018

出　　处：《金融发展研究》2010年第12期63-65,共3页Journal Of Financial Development Research

摘　　要：利率市场化是市场经济发展的必然趋势。改革开放以来,商业银行利率市场化取得了一定进展,但美国Q条例的废除历程和阿根廷利率改革失败的教训说明存款利率市场化需要慎之又慎,目前我国经济主体对利率的敏感程度、中央银行基准利率生成机制、商业银行财务管理能力和风险管控技术还不能完全满足存款利率市场化的要求,因此进一步完善利率市场化体系尤为关键和迫切。Interest rate liberalization reform is the certain requirement of market economy development.Our banking reform has reached some achievement since the Reform and Opening-up.The unsuccessful experience of American Q-regulations gives us a lesson that we should push our interest rate liberalization reform prudently.Nowadays the interest rate sensitivity of our economy main body,the formation mechanism of our benchmark rate,the abilities of our commerce banks,finance management and risk control still cannot completely satisfy the requirements of the deposit interest rate liberalization.Comparing with the deposit interest rate liberalization reform,So the most important and imminent work is to perfect our interest rate liberalization system.

关 键 词：利率市场化 银行存款 浮动利率 生成机制 

分 类 号：F830.33[经济管理—金融学]