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近期,关于利率市场化的讨论见诸报端,《存款保险条例》的公布强化了利率市场化的热度,存款利率上限放开呼之欲出,利率市场化似乎一触即发。然而,纵观货币当局实施的阶段性试水政策,衡量我国目前所处的经济金融环境,横向比较各国利率市场化实现的条件及效果,利率实现市场化虽已耳熟能详、近在咫尺,但仍需时日、触手不及。利率市场化环境需要孵化国际经验表明,利率市场化目标的实现不是一蹴而就的,各国依据自
Recently, discussions on the marketization of interest rates have appeared in the newspapers. The publication of the “Deposit Insurance Ordinance” has intensified the interest rate liberalization. The deposit interest rate ceiling has been set to come to the fore. The marketization of interest rates appears to be imminent. However, looking at the periodic test-water policy implemented by monetary authorities, measuring the current economic and financial environment in our country and comparing the conditions and effects of market-oriented interest rate liberalization in various countries, the marketability of interest rates has become familiar and close at hand. Take time, tentacles. Market-oriented interest rates need to hatch the international experience shows that the realization of the interest rate liberalization does not happen in one day, all countries based on