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自1996年全国同业拆借市场实现利率市场化以来,我国利率市场化改革已走过近20个年头。特别是2012年央行放松对存款利率的上限管制,标志着我国利率市场化改革再次迈出实质性步伐。利率作为一种重要的要素价格,改革涉及方方面面,具有牵一发而动全身的影响。而我国作为一个转轨国家,改革中还涉及一些特殊的因素。因此,在推进我国利率市场化改革的过程中,既要充分借鉴国际经验,又要提出符合我国实际的战略思考。
Since the marketization of interest rates was realized in the national interbank market in 1996, the market-based interest rate reform in China has been going through nearly 20 years. In particular, the easing of the deposit rate ceiling by the central bank in 2012 marks another substantial step toward market-oriented interest rate reform in our country. Interest rates, as an important element of price, involve all aspects of the reform and have the potential to affect the whole party with immediate impact. As a transitional country in our country, there are also some special factors involved in the reform. Therefore, in promoting the marketization of interest rates in our country, we should not only fully draw on international experience but also put forward strategic thinking in line with China’s actual conditions.