农村金融如何应对利率市场化

发布时间：2018-06-19 02:40

本文选题：利率市场化 + 农村金融　；参考：《农村经济》2013年05期

【摘要】：我国是农业大国,农业金融是现代农村经济的核心,如何应对利率市场化改革,深化农村金融改革创新,对落实强农惠农政策和促进农村经济社会的繁荣稳定具有重要意义。从部分国家和地区利率市场化改革案例来看,要避免利率剧烈波动,保持金融稳定,支持经济发展,必须审慎监管,严控风险,坚持改革。我国利率市场化改革已进入关键的冲刺阶段,只剩下最后一步,即存款利率上限何时完全放开。利率市场化后,农村金融将直接面对农村金融机构经营风险、农村金融机构利率管理风险、逆向选择与道德风险、农村金融系统风险。农村金融要成功应对利率市场化改革,首先需要建立财政金融一体化的支持政策,其次需要加大农村金融机构综合经营推进力度,再次需要提升农村金融创新水平,最后需要建立利率风险管理机制。
[Abstract]:China is a big agricultural country and agricultural finance is the core of modern rural economy. How to deal with the reform of interest rate marketization and deepen the innovation of rural financial reform is of great significance to implement the policy of strong agriculture and benefit agriculture and promote the prosperity and stability of rural economy and society. In order to avoid the sharp fluctuation of interest rate, maintain financial stability and support economic development, we must supervise prudently, strictly control risks and persist in reform. The reform of interest rate marketization in our country has entered the crucial stage of sprint, only the last step is left, that is, when the upper limit of deposit interest rate will be completely released. After the marketization of interest rate, rural finance will directly face the risk of rural financial institution management, the risk of interest rate management of rural financial institution, the adverse selection and moral hazard, and the risk of rural financial system. In order to successfully deal with the reform of marketization of interest rate, rural finance needs to establish the supporting policy of financial integration, second, it needs to strengthen the comprehensive management of rural financial institutions, and then it needs to improve the level of rural financial innovation. Finally, interest rate risk management mechanism should be established.
【作者单位】：中国建设银行财务会计部;四川省农村信用社联合社资产保全部;交通银行北京分行培训部;
【分类号】：F832.35

【二级参考文献】