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我国的利率市场化改革起步于1993年,基本思路形成于1995年,陆续走过了近20年的历程。今年7月,我国贷款利率管制放开,标志着中国利率市场化改革已经取得关键性进展,接下来必将朝着金融体系自由化方向继续挺进。从美国、日本相对成功的利率市场化改革经验以及阿根廷利率市场化改革失败的教训看,利率市场化作为金融领域的一项根本性变革,必将对我国的经济社会产生巨大震荡,对银行业既有的盈利模式、经营结
China’s interest rate liberalization started in 1993, the basic idea was formed in 1995, one after another after nearly 20 years of history. In July of this year, the liberalization of China’s interest rate on loans has marked the crucial progress made in marketization of interest rate in China and will continue to be marched toward the liberalization of the financial system. From the relatively successful experiences of market-oriented interest rate reform in the United States and Japan as well as the failure of market-oriented interest rate reform in Argentina, the marketization of interest rate market as a fundamental change in the financial field is bound to cause tremendous turmoil in our economy and society. Existing profit model, operating knot