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1、對(duì)中國(guó)利率市場(chǎng)化問(wèn)題的思考提要:隨著我國(guó)市場(chǎng)經(jīng)濟(jì)的發(fā)展和經(jīng)濟(jì)全球化的迅速蔓延，我國(guó)現(xiàn)有的管制利率在經(jīng)濟(jì)金融領(lǐng)域內(nèi)所表現(xiàn)出的種種弊端日益突出，放松利率管制，實(shí)行利率市場(chǎng)化的迫切性日益增強(qiáng)。本文通過(guò)回顧我國(guó)利率政策發(fā)展演變過(guò)程，分析現(xiàn)行利率管理體制中存在的問(wèn)題，借鑒其他國(guó)家利率市場(chǎng)化經(jīng)驗(yàn)，就利率市場(chǎng)化的必要性和充分性進(jìn)行論證分析。分析表明，雖然我國(guó)已初步具備了利率市場(chǎng)化的基本條件，但當(dāng)前推進(jìn)利率市場(chǎng)化改革還存在一些難點(diǎn)。通過(guò)一些相關(guān)配套政策措施的實(shí)施和完善，我國(guó)逐步推進(jìn)利率市場(chǎng)化改革的時(shí)機(jī)基本成熟。我國(guó)利率市場(chǎng)
2、化改革應(yīng)采取漸進(jìn)的方式，遵循先外幣、后本幣，先批發(fā)、后零售，先貸款、后存款，先大額、后小額的順序，分階段、分步驟實(shí)施。關(guān)鍵詞:利率管制;利率市場(chǎng)化;必要性;可行性Abstract:Alongwiththedevelopmentofmarket一economyinChi-naandtherapidspreadofeconomicglobalization，manyabusesofcon-trolled一interest一rateintheareaofeconomyandfinancebecomemoreand
3、moreprominent.Theurgencyofloosinginterest一rate一controlandcarryingoutinterest一rate一liberalizationisbecomingstronger.Thisthesismainlydiscussesthenecessityandsufficiencyofinterest一rate一liberalization，throughreviewingourinterestratemanagementsystem'sdeveloping
4、process，analyzingtheproblemsofthepresent，anddrawingontheexperiencesofothercountries.Theanalysisindi-Gatesthatthoughwehavehadbasicconditionsofinterest一rate一liber-alization，somedifficultiesaretobesolved.Ifsomerelativemeasures，inallusiontothedifficulties，arei
5、mplementedandperfected，theop-portunitiesofinterest一rate一liberalizationarealmostmature.Ourcountry'sinterest一rate一liberalizationshouldtakegradualway，ad-varrcethefollowingsteps:firstRMBthenforeigncurrency;firstwholesalethenretail;firstloanthendeposit;firstlar
6、geamountthensmallamount.Keyword:Interestratecontrol;Interestrateliberalization;Ne-cessity;Feasibility目錄前言········································································……(1)第一章利率決定理論及國(guó)際利率市場(chǎng)化的實(shí)踐分析·..............(3)第一節(jié)利率決定理論及啟示·.....................
7、....................(3}第二節(jié)國(guó)際上有關(guān)國(guó)家和地區(qū)的利率市場(chǎng)化實(shí)踐分析·........第二章中國(guó)利率管理體制中存在的問(wèn)題及利率市場(chǎng)改革的必要性····························································……(17)第一節(jié)中國(guó)利率管理體制的變革及現(xiàn)狀分析·....................(17)第二節(jié)中國(guó)利率管理體制中存在的問(wèn)題及對(duì)社會(huì)經(jīng)濟(jì)發(fā)展帶來(lái)的不利影響·······························
8、··············……(19)第三節(jié)利率市場(chǎng)化改革的必要性·...................................(27)第三章我國(guó)利率市場(chǎng)化改革的條件和難點(diǎn)·..........................(35)第一節(jié)影響中國(guó)利率變動(dòng)的因素分析·.............................(35)第二節(jié)當(dāng)前我國(guó)推進(jìn)利率市場(chǎng)化的條件·.................
