中国贷款基础利率改革的实践与思考  

Practice and Reflection on the Reform of Loan Base Interest Rate in China

作　　者：夏铭 XIA Ming(Wenzhou Vocational and Technical College,Wenzhou 325035,Zhejiang)

机构地区：[1]温州职业技术学院,浙江温州325035

出　　处：《江苏商论》2023年第5期83-87,共5页Jiangsu Commercial Forum

摘　　要：2019年8月16日,中国人民银行宣布进一步完善贷款市场报价利率机制,拉开了利率市场化改革的序幕。银行机构能否使资金的使用更加市场化,能否更加灵活地使用利率杠杆,是中国银行机构能否在本轮贷款市场报价利率改革过程中取得成功的关键因素。利率形成机制的改革同样关系到银行业、企业与个人的利益。本次研究的目的,就是要通过对利率改革的基本现状、改革的特点、对市场的影响等深入研究,分析改革带来的实际效果,为目前中国企业和居民应用贷款利息定价提供一种有益的借鉴。On August 16,2019,the People's Bank of China announced the further improvement of the loan market quotation interest rate mechanism,marking the prelude to the market-oriented reform of interest rates.Whether banking institutions can make the use of funds more market-oriented and use interest rate leverage more flexibly is a key factor for the success of Chinese banking institutions in the current round of loan market quoted interest rate reform.The reform of the interest rate formation mechanism is also related to the interests of the banking industry,enterprises,and individuals.The purpose of this study is to provide a useful reference for Chinese enterprises and residents to apply loan interest pricing through in-depth research on the basic status of interest rate reform,its characteristics,and its impact on the market.

关 键 词：贷款市场报价利率 利率改革 实际效果 

分 类 号：F830[经济管理—金融学]