利率市场化对我国金融运行的影响研究

发布时间：2018-09-16 21:34

【摘要】：随着人民币存款利率上限的进一步扩大,我国利率市场化改革离成功只有一步之遥,研究利率市场化对我国金融运行的影响并提出相应的对策十分具有现实意义。我国是银行主导型金融体系,本文说明了利率市场化给商业银行带来的机遇和挑战。除商业银行,资本市场作为间接融资市场在金融运行中也极为重要。尽管利率市场化给资本市场发挥优化资源配置作用提供了舞台,但是也要警惕利率市场化给资本市场带来的负面效应。作为金融市场的主体之一的政府,在利率市场化改革中不仅不能袖手旁观反而需要通过立法、加强金融监管等方面助力利率市场化稳定有序地进行。通过对利率市场化成功改革的美日印三国的研究,我国金融市场主体会从中获得经验和教训,最终能在利率市场化改革中更加成熟。
[Abstract]:With the further expansion of the upper limit of RMB deposit interest rate, China's interest rate marketization reform is only one step away from success. It is of great practical significance to study the impact of interest rate marketization on the financial operation of our country and put forward corresponding countermeasures. China is a bank-oriented financial system. This paper illustrates the opportunities and challenges that interest rate marketization brings to commercial banks. In addition to commercial banks, the capital market as an indirect financing market in the financial operation is also extremely important. Although the interest rate marketization provides the stage for the capital market to play the role of optimizing the allocation of resources, it is also necessary to guard against the negative effects of the interest rate marketization on the capital market. As one of the main bodies of the financial market, the government should not stand idly by in the reform of interest rate marketization, but need to pass legislation, strengthen financial supervision and so on to help the interest rate marketization to proceed steadily and orderly. Through the study of the three countries of the United States, Japan and India, where the interest rate marketization is successful, the main body of our financial market will gain experience and lessons from it, and finally will be more mature in the interest rate marketization reform.
【学位授予单位】：黑龙江大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.5

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