我国利率市场化改革相关利益主体的博弈分析

发布时间：2017-12-31 13:21

本文关键词：我国利率市场化改革相关利益主体的博弈分析　出处：《西安财经学院学报》2017年03期 　论文类型：期刊论文

【摘要】：利率市场化是我国金融改革的中心环节。目前央行取消对商业银行和农村部分金融机构的利率存款上限,标志着我国已经完成了利率市场化的第一阶段,在此期间我国金融资产基本实现市场定价机制。利率市场化为我国金融体系注入了新鲜血液,进一步推进金融改革,为经济的发展添加新的活力。本文首先介绍了我国利率市场化的进程并且分析了加快利率市场化改革的必要性;其次,根据我国实际情况,从推行速度和风险因素两个角度阐明了我国利率市场化存在的问题,并解释其原因;最后,根据博弈论理论,建立各经济主体之间的博弈分析模型,根据博弈矩阵得出各主体的最优选择及原因,并以此提出加快利率市场化进程的相关政策建议。
[Abstract]:The interest rate marketization is the central link of our country's financial reform. At present, the central bank cancels the upper limit of interest rate deposit to commercial banks and some rural financial institutions, which indicates that our country has completed the first stage of interest rate marketization. During this period, China's financial assets basically realized the market pricing mechanism. The marketization of interest rate injected fresh blood into our financial system and further promoted the financial reform. Firstly, this paper introduces the process of interest rate marketization in China and analyzes the necessity of speeding up the reform of interest rate marketization. Secondly, according to the actual situation of our country, this paper clarifies the problems existing in the marketization of interest rate in our country from two angles of the speed of implementation and the risk factor, and explains the reasons; Finally, according to the theory of game theory, the game analysis model among the economic agents is established, and the optimal choice and reasons of the agents are obtained according to the game matrix, and the relevant policy suggestions for speeding up the process of interest rate marketization are put forward.
【作者单位】：武汉轻工大学经济管理学院;山西财经大学财政金融学院;辽宁大学经济学院;
【基金】：2013年湖北省社科基金项目(2013078) 2014年湖北省科技支撑计划(软科学类)项目(2014BDF065)
【分类号】：F832.5
【正文快照】： 一、我国利率市场化改革进程和必要性研究(一)利率市场化改革进程从国内外有关利率市场化改革进程研究的成果来看,国内外研究人员主要从交易成本与产权对企业影响、金融自由化、制度因素等方面进行研究。惠双敏认为,监管与制度缺失的利率自由化将会增加交易成本,对于发展中国

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