中国利率市场化改革的模式和顺序
发布时间：2018-09-11 21:07
【摘要】：本文通过分析各国利率市场化改革的经验,总结出三种主要的改革模式,即市场驱动型、政府激进型和政府渐进型改革模式。基于中国利率改革的进程,中国的利率市场化改革应该属于政府渐进型模式。在此基础上,本文将未来我国利率改革划分为四个阶段,并利用16家上市银行的数据对相关阶段银行业所受影响进行实证分析,发现上述四个阶段中,短期存款利率放开对银行业的冲击最大,因此应该最后逐步实现,以降低改革成本。为了更好地适应利率市场化改革,商业银行应该测算利率市场化后续改革措施可能的冲击影响,加快业务结构转型。
[Abstract]:By analyzing the experience of interest rate marketization reform in various countries, this paper summarizes three main reform modes, namely, market-driven type, government radical model and government gradual reform mode. Based on the process of China's interest rate reform, China's interest rate marketization reform should belong to the gradual pattern of government. On this basis, this paper divides the future interest rate reform into four stages, and uses the data of 16 listed banks to make an empirical analysis on the impact of the relevant stages on the banking industry, and finds out that in the above four stages, The impact of short-term deposit rate liberalisation on the banking sector is the greatest, so it should eventually be gradually implemented to reduce reform costs. In order to better adapt to the reform of interest rate marketization, commercial banks should calculate the possible impact of the subsequent reform of interest rate marketization and accelerate the transformation of business structure.
【作者单位】： 申银万国证券股份有限公司;
【分类号】：F832.1
[Abstract]:By analyzing the experience of interest rate marketization reform in various countries, this paper summarizes three main reform modes, namely, market-driven type, government radical model and government gradual reform mode. Based on the process of China's interest rate reform, China's interest rate marketization reform should belong to the gradual pattern of government. On this basis, this paper divides the future interest rate reform into four stages, and uses the data of 16 listed banks to make an empirical analysis on the impact of the relevant stages on the banking industry, and finds out that in the above four stages, The impact of short-term deposit rate liberalisation on the banking sector is the greatest, so it should eventually be gradually implemented to reduce reform costs. In order to better adapt to the reform of interest rate marketization, commercial banks should calculate the possible impact of the subsequent reform of interest rate marketization and accelerate the transformation of business structure.
【作者单位】： 申银万国证券股份有限公司;
【分类号】：F832.1
【参考文献】
相关期刊论文 前9条
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