利率市场化的国际比较:路径、绩效与市场结构

发布时间：2018-03-03 07:10

  本文选题：利率市场化　切入点：改革　出处：《知识经济》2016年03期 　论文类型：期刊论文

【摘要】：利率是中央银行实施管控的一种工具,在整个金融市场中发挥着不可磨灭的作用。利率市场化无论是从宏观角度还是从微观角度都对改革的进程有着重要的影响。尤其是对于银行业的经营的影响尤为显著,表现为总体的规模会相应减少,整体的分布及结构组成也会发生巨大的变化促使行业之间的竞争力增强。但是从宏观上的角度来看,利率市场化对银行业的长远发展是有益的会减少对银行的冲击,提升金融系统中银行系统的竞争力。本文通过对美国、德国、日本、韩国等完成利率市场化的国家的发展道路进行比较和借鉴,从而探索出一条最适合中国利率市场化的发展道路。
[Abstract]:Interest rates are a tool used by the central bank to enforce controls. It plays an indelible role in the whole financial market. The marketization of interest rate has an important influence on the reform process, not only from the macro point of view, but also from the micro point of view. It is shown that the overall scale will decrease correspondingly, and the overall distribution and structural composition will also change greatly to promote the competitiveness between industries. But from a macro point of view, Marketization of interest rates is beneficial to the long-term development of the banking industry. It will reduce the impact on banks and enhance the competitiveness of the banking system in the financial system. South Korea and other countries that have completed the marketization of interest rate are compared and used for reference so as to explore a development road that is most suitable for the marketization of interest rate in China.
【作者单位】： 交通银行宁波分行;
【分类号】：F832.5
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本文编号：1560021