论文部分内容阅读
“改革贵在行动,喊破嗓子不如甩开膀子。我们要坚持市场化的改革方向……去推进能够牵一发动全身的改革。”中国国务院总理李克强3月17日答记者问时的一番话犹言在耳。7月19日,中国利率市场化又迎来“大动作”。央行宣布,将全面放开金融机构贷款利率管制,让金融机构自主确定贷款利率。近日,央行宣布的进一步推动利率市场化的内容有四条,且内容均与贷款利率放开相关。其中最主要的是取消金融机构贷款利率0.7倍的下限,由金融机构根据商业原则自主确定贷款利率水平。其余三条则是贷款利率全面放开管制的细化:取消票据贴现利率管制,改变贴现利率在再贴现利率基础上加点确定的方式,由金融机构自主确定。
“We should adhere to the direction of market-oriented reform ... to promote reforms that will lead the whole body.” “Chinese State Council Premier Li Keqiang answered reporters on March 17 Some words still say. On July 19, the marketization of China’s interest rate ushered in a ”big move". The central bank announced that it will fully liberalize the lending rates of financial institutions and allow financial institutions to determine lending rates autonomously. Recently, the central bank announced the further promotion of interest rate marketization of the content of four, and the contents are lending rate liberalization related. The most important of these is to lift the lower limit of 0.7 times the lending rate of financial institutions, and the financial institutions should independently determine the lending rates according to commercial principles. The remaining three are the details of the liberalization of the lending rate: the cancellation of discounted bills interest rate control, the change of discounted rates on the basis of rediscount rates plus certain ways, determined by the financial institutions.