利率市场化的经济法思考

发布时间：2018-01-15 00:34

本文关键词：利率市场化的经济法思考　出处：《云南大学》2015年硕士论文　论文类型：学位论文

【摘要】：利率市场化改革是当前我国经济发展形势下的必然趋势,推进利率市场化不仅是对金融体系的完善,也是对我国整个市场体系的完善。利率市场化有利于利率杠杆作用的发挥,有利于资金的优化配置。结合我国的经济发展情况,利率市场化在我国的推进过程是循序渐进的,我国利率市场化要遵循的路线是：先外币,后本币；先贷款,后存款；先长期、大额,后短期、小额。 2013年7月,在中国人民银行(即央行)颁布的《进一步推进利率市场化改革的通知》中,决定全面放开金融机构的贷款利率限制,取消了0.7倍贷款利率下限的规定,这说明我国全面放开贷款利率的目标已得到实现。虽说利率市场化正在稳步、渐进地推进,但利率市场化仍可能带来利率大幅波动、行为短期化等问题,可能对经济造成不利的影响,为了避免这些不利影响的出现,就需要为利率市场化提供一个稳定的经济环境,而稳定经济环境的形成离不开国家干预,特别是经济法中的国家干预。本文结合我国当前的利率市场化改革背景,从我国利率市场化入手,第一部分对利率市场化进行简要的介绍,对利率市场化的含义进行界定,并介绍其发展历程和意义,说明我国在当前的经济形势下进一步推进利率市场化已是必然；第二部分引入利率市场化与国家干预关系的思考,指出利率市场化的推进推动着国家干预的调整,同时也需要国家干预为其提供一个稳定的经济环境保障；第三部分分析了从利率管制背景延续而来的国家干预在当前经济发展形势下存在的不足,即国家干预手段存在滞后性、干预边界不明确等；第四部分针对国家干预存在的不足提出解决的建议：通过为国家干预培育新的市场利率作为干预工具,修改、更新我国有关利率的法律法规和与利率相关的监管法规来解决滞后性问题；通过明确干预主体,将干预的范围限定在市场失灵范围内,干预力度确定在充分尊重市场规律、充分保障经济自由、充分考量干预效率范围内,同时为干预权力设置制约,将干预的权力限定在一定的范围内来界定国家干预的合理边界。本文的最终目的是希望通过完善国家干预制度来为利率市场化提供一个稳定的经济环境。
[Abstract]:The reform of interest rate marketization is an inevitable trend under the current situation of economic development in China. It is not only to perfect the financial system to promote the marketization of interest rate. It is also the perfection of the whole market system of our country. The interest rate marketization is beneficial to the exertion of interest rate leverage and the optimal allocation of funds. The process of marketization of interest rate in our country is gradual and orderly. The way that our country should follow in the marketization of interest rate is: first foreign currency, then local currency; First loan, then deposit; Long-term, large, short-term, small. In July 2013, the people's Bank of China (the people's Bank of China, that is, the Central Bank of China) issued "further promote the marketization of interest rate reform" notice, decided to fully liberalize the financial institutions of lending interest rate restrictions. The cancellation of the lower limit of 0.7 times lending rate indicates that China's goal of fully liberalizing the loan interest rate has been realized, although the interest rate marketization is advancing steadily and gradually. But the interest rate marketization still may bring the interest rate big fluctuation, the behavior short term and so on question, may cause the adverse influence to the economy, in order to avoid these adverse effects appear. It is necessary to provide a stable economic environment for interest rate marketization, and the formation of stable economic environment can not be separated from state intervention, especially the state intervention in economic law. Based on the background of interest rate marketization reform in China, the first part briefly introduces the interest rate marketization and defines the meaning of interest rate marketization. It also introduces its development course and significance, which shows that it is inevitable to further promote the marketization of interest rate in our country under the current economic situation. The second part introduces the relationship between interest rate marketization and state intervention, and points out that the promotion of interest rate marketization promotes the adjustment of state intervention, and at the same time, it also needs state intervention to provide a stable economic environment for it. The third part analyzes the shortcomings of the state intervention from the interest rate regulation background in the current economic development situation, that is, the state intervention means exist lag, the intervention border is not clear and so on; In the 4th part, the author puts forward some suggestions to solve the problems of state intervention: to modify it by cultivating new market interest rate for state intervention as a tool of intervention. To solve the lag problem, we should update our country's laws and regulations on interest rate and the regulation related to interest rate. By defining the main body of intervention, limiting the scope of intervention to the scope of market failure, the degree of intervention is determined in full respect for market law, full protection of economic freedom, and full consideration of the scope of intervention efficiency. At the same time, the power of intervention is restricted. The ultimate purpose of this paper is to provide a stable economic environment for interest rate marketization by perfecting the system of state intervention.
【学位授予单位】：云南大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.29

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