畢業(yè)論文-我國(guó)利率市場(chǎng)化改革研究-wenkub
2023-06-17 11:52:49 本頁(yè)面
【正文】 The interest rate marketization reform effect is based on market integrity as the premise, therefore in the interest rate marketization reform at the same time, we should pay attention to promote the related measures. In recent years, our country has been in to ensure financial stability, under the premise of steadily promote marketoriented interest rate, the interest rate marketization is an inevitable trend,which in china’s banking market and bring for the active petition also test in the mercial bank management mode and the business structure and so on various aspects of the overall current practice in China is lower loan, deposit cap control of interest rate policy, the interest rate control is a system arrangement to fit in with the traditional planned economy system, played a positive role in the specific historical period, but with the capital accumulation has reached a certain scale, its disadvantages gradually exposed,interest rate control to maintain the business bank monopoly profits, but due to the lack of power to provide financial services to small and mediumsizedenterprises, resulting in a large number of emerging corporate financing gap,causing financial repression to cater to the entity economy, medium and small enterprises financing needs,taking advantage of civil finance development, folklending as a widespread financing way, is flexible, fast, convenient advantage,In the market economic system of our country is developed, but the interest rate reform was not perfect ,which is more conducive to promoting China’s economic and financial reform further deepening and integration into the global economic and financial, This paper through the introduction of the interest rate marketization, reviewing interest rate marketization process,research the general ideal of interest rate marketization, which system analysis of China’s interest rate marketization process of the problems and effect,is the main contents of the study. Keywords： interest rate liberalization ； reform。武漢紡織大學(xué)畢業(yè)論文任務(wù)書(shū) 課題名稱： 我國(guó)利率市場(chǎng)化改革 研究 完成期限： 2021年 12 月 1 日至 2021 年 1 月 8 日 學(xué) 院 名 稱： 經(jīng)濟(jì)學(xué)院 學(xué) 生 姓 名： 專 業(yè) 班 級(jí)： 金融學(xué) 學(xué) 號(hào)： 指 導(dǎo) 教 師： 指 導(dǎo) 教 師 職 稱： 學(xué)院領(lǐng)導(dǎo) 小組組長(zhǎng)簽字： 摘 要 利率市場(chǎng)化改革的作用發(fā)揮程度是以健全完整的市場(chǎng)機(jī)制為前提的，在利率市場(chǎng)化改革的同時(shí)，我們應(yīng)該注意相關(guān)配套措施的同步推進(jìn)。 mercial bank。具體講，利率市場(chǎng)化是指存貸款利率不由上級(jí)銀行統(tǒng)一控制，而是由各商業(yè)銀行根據(jù)資本市場(chǎng)的供求關(guān)系自主調(diào)節(jié)。從微觀層面上說(shuō)，市場(chǎng)利率比計(jì)劃?rùn)n次更多，結(jié)構(gòu)更為復(fù)雜，市場(chǎng)利率是根據(jù)市場(chǎng)上交易量大的一種或者幾種被普遍接受的金融交易產(chǎn)品所決定的。金融交易主體有權(quán)對(duì)其交易的 資金規(guī)模、期限、價(jià)格等進(jìn)行商討決定，也有可能是資金供求雙方在不同客戶或服務(wù)提供者之間進(jìn)行資金融通進(jìn)而確定利率。利率當(dāng)局既無(wú)必要也沒(méi)可能對(duì)利率的數(shù)量結(jié)構(gòu)、期限結(jié)構(gòu)和風(fēng)險(xiǎn)結(jié)構(gòu)進(jìn)行精確的預(yù)測(cè)和計(jì)算。利率市場(chǎng)化并不排除政府的金融控制，政府有權(quán)對(duì)其進(jìn)行宏觀調(diào)控。只有在利率市場(chǎng)化的前提下，央行才能有效實(shí)施金融調(diào)控，改善金融調(diào)控效果。特別是貨幣市場(chǎng)和資本市場(chǎng)的分割與脫節(jié)，打斷了資金在社會(huì)再生產(chǎn)各個(gè)環(huán)節(jié)的有效循環(huán)，造成金融資源配置的失調(diào)和結(jié)構(gòu)性失衡。我國(guó)銀行改革的總體目標(biāo)是商業(yè)化經(jīng)營(yíng)和企業(yè)化管理，這就要求在銀行體制改革方面合理界定中央銀行與商業(yè)銀行的職能，并按照現(xiàn)代企業(yè)制度要求構(gòu)建相應(yīng)的
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