我国利率市场化改革及其风险防范的法律问题研究

发布时间：2018-04-03 14:57

本文选题：利率市场化　切入点：利率管制　出处：《华东政法大学》2012年硕士论文

【摘要】：利率市场化是进行金融体制改革的核心和关键，近年来，随着我国社会主义市场经济建设的不断深入、国际经济一体化以及金融全球化进程不断加快，我国现存的利率管制体制愈来愈不适应我国当前的经济发展要求，其存在的各种弊端也在不断显现，因此，加快推进我国的利率市场化改革势在必行。早在上个世纪九十年代中期，我国的利率市场化改革就已经开始，经过十多年的发展，虽然已经取得了一些成就，比如，在货币市场和债券市场基本上已经实现了利率市场化，存贷款利率也已经实现了“存款管上限，贷款管下限”的阶段性目标，但是，距离真正实现利率市场化还有很长的路要走。因此，在我国当前社会主义金融体制改革的关键时刻，利率市场化必须要继续深入下去。但是，利率市场化本身就是一个非常复杂的过程，在其不断深入和发展的过程中将会面临着各种各样的风险和困难，这些风险的存在将会严重干扰我国利率市场化进程的加快，因此，全面的分析这些风险和困难并找出应对这些风险的法律措施就显得尤为重要了。本文就是从我国的利率市场化改革入手，在厘清利率市场化定义的基础上,全面分析我国进行利率市场化改革的必要性和已经取得的阶段性成果，并对利率市场化改革进程中将要面临的各种风险进行详细分析,继而从法律层面提出有效的应对之策，以有力地推动我国利率市场化改革不断深入。本文共分为三个部分，第一部分主要是对利率市场化的定义进行较为详细的界定,以及对其显著特征进行全面的总结，同时将利率市场化的意义进行较为具体的归纳。第二部分主要从我国的利率体制现状入手，分析我国当前的利率市场化改革已经取得的显著成就，并对利率管制体制的弊端进行比较具体、详细的说明，从而对我国继续深化利率市场化改革的必要性进行较为详细的阐述。第三部分主要是应用分析和归纳的方法，对我国在全面推进利率市场化改革的进程中所要面对的各种风险进行总结，，通过对各种风险逐一进行分析，并从法律层面上有针对性的提出有效的应对之策，以化解我国在利率市场化改革进程中的各种风险，最终实现全面推动我国利率市场化进程的进一步深化。
[Abstract]:Interest rate marketization is the core and key of financial system reform. In recent years, with the development of socialist market economy in China, the process of international economic integration and financial globalization has been accelerated.The existing interest rate control system in our country is becoming more and more unsuitable for the demand of our country's current economic development, and its various disadvantages are also appearing constantly. Therefore, it is imperative to speed up the reform of interest rate marketization in our country.As early as the mid-1990s, the interest rate marketization reform in China began. After more than a decade of development, although some achievements have been made, for example, interest rate liberalization has basically been achieved in the money market and the bond market.The deposit and loan interest rate has also realized the stage goal of "deposit management upper limit, loan management lower limit", but there is still a long way to go to realize the real marketization of interest rate.Therefore, at the key moment of the reform of the socialist financial system, the marketization of interest rate must continue to go on.However, interest rate marketization itself is a very complex process, in its continuous deepening and development process will face a variety of risks and difficulties, the existence of these risks will seriously interfere with the accelerated process of interest rate marketization.Therefore, comprehensive analysis of these risks and difficulties and find out the legal measures to deal with these risks is particularly important.This article starts with the interest rate marketization reform in our country, on the basis of clarifying the definition of the interest rate marketization, comprehensively analyzes the necessity and the stage achievement of the interest rate marketization reform in our country.This paper also analyzes in detail the various risks that will be faced in the process of interest rate marketization reform, and then puts forward effective countermeasures from the legal level in order to push forward the reform of interest rate marketization in our country.This paper is divided into three parts. The first part is to define the definition of interest rate marketization in detail, and to sum up its significant characteristics, at the same time, to sum up the significance of interest rate marketization more concretely.The second part mainly starts with the present situation of the interest rate system in our country, analyzes the remarkable achievement that our country's current interest rate marketization reform has already obtained, and carries on the quite concrete, detailed explanation to the interest rate control system malpractice.Therefore, the necessity of deepening the reform of interest rate marketization in China is expounded in detail.The third part mainly applies the method of analysis and induction to sum up all kinds of risks that our country has to face in the process of pushing forward the reform of interest rate marketization one by one through the analysis of each kind of risk.In order to resolve the various risks in the process of interest rate marketization reform, the author puts forward some effective countermeasures from the legal aspect, and finally realizes the further deepening of the interest rate marketization process in China.
【学位授予单位】：华东政法大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：D922.28

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