负利率与中国货币政策

发布时间：2018-02-24 19:01

本文关键词： 负利率通货膨胀通货膨胀目标制　出处：《华东师范大学》2012年硕士论文　论文类型：学位论文

【摘要】：中国政府第十二个五年计划提出以人为本的原则,重点关心民生改善,着重解决与人民群众切身利益密切相关的问题,把扩大就业,完善社会保障体系和生态环境建设放在突出位置,但在当前经济条件下,通货膨胀率高过同期银行存款利率,产生了负利率现象,导致存款稀释,这一现象严重影响了人民群众对消费、投资和储蓄的选择,不利于对存款者的利益保护,而且没有有效配置社会资源。负利率背景下,央行如何选择和执行具体的货币政策,从而既保证国民就业率,又兼顾经济均衡和持续增长问题,具有重要的理论意义和实践价值。为了保护存款者利益,提高资源配置效率,实现社会经济协调发展,我国自2006年开始不断的轮换运用三大货币政策工具,试图消除高通货膨胀现象,但是效果始终不如人意,本文就我国货币政策的问题进行了分析,提出了改善的建议,以应对当前负利率的局势。
[Abstract]:The 12th Five-Year Plan of the Chinese Government has put forward the principle of putting people first, focusing on the improvement of people's livelihood, solving problems closely related to the vital interests of the people, and expanding employment. The improvement of the social security system and the construction of the ecological environment play a prominent role, but under the current economic conditions, the inflation rate is higher than the interest rate on bank deposits in the same period, resulting in the phenomenon of negative interest rates, which leads to the dilution of deposits. This phenomenon has seriously affected the people's choice of consumption, investment and savings, which is not conducive to the protection of the interests of depositors, and has not effectively allocated social resources. Under the background of negative interest rates, how should the central bank choose and implement specific monetary policies? It has important theoretical significance and practical value. In order to protect the interests of depositors, improve the efficiency of resource allocation, and realize the coordinated development of social economy, it is of great theoretical significance and practical value to ensure the national employment rate as well as to give consideration to the problem of economic balance and sustained growth. Since 2006, China has continuously used three monetary policy tools to eliminate the phenomenon of high inflation, but the effect is always unsatisfactory. This paper analyzes the problems of China's monetary policy and puts forward some suggestions for improvement. To deal with the current situation of negative interest rates.
【学位授予单位】：华东师范大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F822.0;F224

【参考文献】