美、日利率市场化的国际经验及其对我国的启示

发布时间：2018-07-27 20:43

【摘要】：我国即将实施的利率市场化的货币政策将对我国政府及商业银行提出许多亟待解决和完善的问题。美国和日本的利率市场化过程从两个不同的角度为我国利率市场化改革提供了借鉴。我国在利率市场化进程中,要参照美国和日本的经验,既从宏观层面上借鉴"渐进式"的存款利率市场化,以"中间产品"为依托展开渐进式改革;同时要建立存款基础利率报价和发布机制以及加速存款保险制度;还要在商业银行层面上借鉴美、日金融机构严格的资产负债管理体系,扩展中间业务来缓解存贷差压力,及时转变思路,业务上从"大"到"小",同时要学会提高风险管理水平,适应利率市场化环境。
[Abstract]:The monetary policy of interest rate marketization in our country will put forward many problems to be solved and perfect for our government and commercial banks. The process of interest rate marketization in the United States and Japan provides a reference for China's interest rate marketization reform from two different angles. In the process of interest rate marketization, we should refer to the experience of the United States and Japan, draw lessons from the "progressive" deposit interest rate marketization from the macro level, and carry out the gradual reform based on "intermediate products". At the same time, it is necessary to establish a mechanism for pricing and issuing deposit base interest rates and accelerate the deposit insurance system, and to draw lessons from the strict asset-liability management system of financial institutions in the United States and Japan at the level of commercial banks, and to expand intermediary business to ease the pressure on deposit and loan differentials. Change the train of thought in time, business from "big" to "small", at the same time, we should learn to improve the level of risk management, adapt to the interest rate market-oriented environment.
【作者单位】：吉林大学东北亚研究院;
【基金】：教育部人文社会科学重点研究基地项目“东北亚国家区域经济一体化战略比较研究”,项目编号:11JJD810007
【分类号】：F837.12;F833.13;F832.5

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