我国市场化改革中的利率法律制度研究

发布时间：2018-05-21 18:45

本文选题：利率市场化 + 利率定价权　；参考：《湘潭大学》2015年硕士论文

【摘要】：金融创新意味着整个金融领域的自我突破与演变,更意味着对既有金融法律体系的挑战与破坏。利率市场化改革作为金融创新的重要举措之一,它与法律制度之间应该是一种“改革与法律相适应,而法律又为改革提供正当性”的关系。相当长的历史时期内,我国在经济发展过程中实行利率管制,法律赋予了中国人民银行对利率进行行政管制的权力,同时规定商业银行等金融经营机构必须遵守中国人民银行做出的关于利率制定和管理的各项决定。而所谓的利率市场化改革,就是要放开利率管制,让商业银行等金融经营机构充分享有利率定价权,根据市场供求变化来自主决定和调节金融融资的利率水平。通过对我国市场化改革中的利率法律制度进行研究可以发现,这些法律制度在核心法律制度、金融监管制度和相关配套制度等方面还存在诸多缺陷,无法为利率市场化改革的顺利完成提供系统高效的制度保障。在这样的环境和背景下,要保障利率市场化改革的顺利实施,就必须对这些法律制度进行完善。首先,必须修订《商业银行法》、《中国人民银行法》等核心法律制度,确认、设定和保护商业银行等金融经营机构的利率定价权;其次,需要合理设计银行准入、银行竞争和银行自律等金融监管法律制度,充分发挥中国人民银行和银监会的金融监管职能,防止商业银行等金融经营机构滥用利率定价权,防范和化解放开利率管制所带来的各种风险;最后,应当建立健全银行破产、存款保险和社会信用等配套法律制度,保护金融消费者的合法权益,切实维护金融运行的安全和稳定。
[Abstract]:Financial innovation means the self-breakthrough and evolution of the whole financial field and the challenge and destruction to the existing financial legal system. As one of the important measures of financial innovation, the reform of interest rate marketization should have a relationship with the legal system, which should be "adapted to the law, while the law provides legitimacy for the reform". During a long period of history, interest rate control was carried out in China during the process of economic development, and the law gave the people's Bank of China the power to exercise administrative control over interest rates. It also stipulates that commercial banks and other financial institutions must abide by the decisions made by the people's Bank of China on the setting and management of interest rates. The so-called market-oriented interest rate reform is to liberalize the interest rate control, let commercial banks and other financial institutions fully enjoy the right to set interest rates, according to the changes in market supply and demand from the main decision and regulation of the level of financial financing interest rate. Through the study of the interest rate legal system in the market-oriented reform of our country, we can find that these legal systems still have many defects in the core legal system, the financial supervision system and the related supporting system, etc. It can not provide systematic and efficient system guarantee for the successful completion of interest rate marketization reform. In such an environment and background, to ensure the smooth implementation of market-oriented interest rate reform, we must improve these legal systems. First, it is necessary to amend the core legal systems, such as the Commercial Bank Law and the people's Bank of China Law, to recognize, set and protect the pricing rights of commercial banks and other financial operating institutions. Secondly, it is necessary to reasonably design the access of banks. The banking competition and banking self-discipline and other financial regulatory legal systems should give full play to the financial supervision functions of the people's Bank of China and the Banking Regulatory Commission, and prevent commercial banks and other financial operating institutions from abusing the pricing power of interest rates. To prevent and defuse all kinds of risks brought about by the deregulation of interest rates; finally, we should establish and improve the supporting legal systems such as bank bankruptcy, deposit insurance and social credit so as to protect the legitimate rights and interests of financial consumers. We will earnestly maintain the safety and stability of financial operations.
【学位授予单位】：湘潭大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.28

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