實(shí)行利率市場(chǎng)化相關(guān)問題研究

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目 錄
摘要........................................................................................................................1
引言......................................................................................................................2
第1章 利率市場(chǎng)化概述............................................................................................3
1.1 利率市場(chǎng)化的概念.......................................................................................3
1.2 利率市場(chǎng)化的理論依據(jù)...............................................................................3
1.3 利率市場(chǎng)化在我國(guó)的發(fā)展歷程及現(xiàn)狀.......................................................4
第2章 我國(guó)實(shí)行利率市場(chǎng)化改革的積極意義........................................................6
2.1 縮小了商業(yè)銀行的存貸利差，有利于中小型企業(yè)發(fā)展............................6
2.2 賦予商業(yè)銀行資金定價(jià)的自主權(quán)，有利于提高銀行競(jìng)爭(zhēng)力....................6
2.3 有利于提高金融機(jī)構(gòu)的經(jīng)營(yíng)自主性，促進(jìn)金融創(chuàng)新................................6
2.4 有利于提高央行的宏觀調(diào)控能力，增強(qiáng)貨幣政策效用............................7
2.5 提高了金融市場(chǎng)的效率，有利于金融市場(chǎng)的完善，促進(jìn)經(jīng)濟(jì)增長(zhǎng).........7
第3章 美國(guó)利率市場(chǎng)化實(shí)踐及對(duì)我國(guó)的啟示........................................................8
3.1 美國(guó)利率市場(chǎng)化的實(shí)踐...............................................................................8
3.2 美國(guó)利率市場(chǎng)化實(shí)踐對(duì)我國(guó)的啟示...........................................................9
第4章 我國(guó)實(shí)行利率市場(chǎng)化中存在的問題...........................................................11
4.1 金融監(jiān)管體制尚不完善，商業(yè)銀行間存在惡性競(jìng)爭(zhēng)現(xiàn)象.......................11
4.2 金融壟斷現(xiàn)象嚴(yán)重，影響了利率價(jià)格的有效性.....................................11
4.3 真正意義上的市場(chǎng)經(jīng)濟(jì)主體還沒有完全形成.........................................12
4.4 中國(guó)對(duì)銀行業(yè)實(shí)行的是隱性的保險(xiǎn)制度，缺乏合理的退出機(jī)制.........12
4.5 利率傳導(dǎo)機(jī)制不暢通，貨幣政策實(shí)施受到干擾.....................................13
4.6 我國(guó)國(guó)有企業(yè)改革滯后，對(duì)利率市場(chǎng)化形成制約.................................13
4.7 融投資體制不合理，使利率信號(hào)失真.....................................................13
4.8 金融基礎(chǔ)設(shè)施不健全，金融市場(chǎng)發(fā)育尚不成熟..................................... 14
第5章 進(jìn)一步完善我國(guó)利率市場(chǎng)化的對(duì)策..........................................................15
5.1 構(gòu)建宏觀審慎監(jiān)管框架，完善金融監(jiān)管，遏制銀行間的惡性競(jìng)爭(zhēng).....15
5.2 加快推進(jìn)銀行經(jīng)營(yíng)體制改革，完善其企業(yè)信用評(píng)價(jià)體系.....................15
5.3 大力培育和發(fā)展金融市場(chǎng)，為利率市場(chǎng)化改革奠定基礎(chǔ)......................16
5.4 盡快建立存款保險(xiǎn)制度，明確中央銀行的最后貸款人職責(zé)..................17
5.5 建立與利率市場(chǎng)化相適應(yīng)的貨幣政策操作體系，完善利率傳導(dǎo)機(jī)制...18
5.6 改善國(guó)有企業(yè)的經(jīng)營(yíng)管理，全面推進(jìn)其債務(wù)重組與制度創(chuàng)新...............18
5.7 改革融資體制，實(shí)現(xiàn)融資主體真正平等.................................................18
5.8 保持宏觀經(jīng)濟(jì)的穩(wěn)定，進(jìn)一步發(fā)展和完善金融市場(chǎng).............................19
參考文獻(xiàn)..............................................................................................................20


【摘要】本文首先闡述了利率市場(chǎng)化的內(nèi)涵，對(duì)其概念、理論依據(jù)進(jìn)行了介紹，結(jié)合我國(guó)利率市場(chǎng)化的發(fā)展歷程及現(xiàn)狀，分析了我國(guó)實(shí)行利率市場(chǎng)化改革對(duì)縮小商業(yè)銀行存貸利差、促進(jìn)中小企業(yè)發(fā)展、提高銀行競(jìng)爭(zhēng)力、促進(jìn)金融創(chuàng)新等方面的積極作用，然后通過分析美國(guó)利率市場(chǎng)化的實(shí)踐引出了對(duì)我國(guó)的啟示，指出了我國(guó)實(shí)行利率市場(chǎng)化中尚存在的金融監(jiān)管體制不完善、金融壟斷現(xiàn)象嚴(yán)重、利率傳導(dǎo)機(jī)制不暢通等問題，最后借鑒國(guó)外利率市場(chǎng)化經(jīng)驗(yàn)，針對(duì)性的提出了一些進(jìn)一步推進(jìn)我國(guó)利率市場(chǎng)化的對(duì)策，希望能為我國(guó)更好的展開利率市場(chǎng)化改革提供參考。

【關(guān)鍵詞】 利率市場(chǎng)化 ；商業(yè)銀行 ；利率風(fēng)險(xiǎn)

【Abstract】 The article describes the connotation of the interest rate market at first, then introduces it’s concept and theory, combines with the process of development and the status of Chinese interest rate market, and analyzes the implementation of market-oriented reform of interest rates of commercial banks deposit and lending spreads narrow, promote small and medium enterprise development, improving the competitiveness of banks and promote the positive role of financial innovation and other aspects, and then by analyzing the U.S. interest rate market practice leads to enlightenment to China, pointed out that the interest rate market of china to implement the financial regulatory system, there are still imperfect, serious financial monopoly, the interest rate transmission mechanism is not smooth and other issues, and finally learn from foreign experience in market interest rates, targeted to further promote China raised some interest rate market strategies, hoping to provide a reference for our country to start a better interest..