摘要题 目：我国 LPR 形成机制改革影响研究我国 LPR 形成机制改革影响研究Research on the Influence of the Formation Mechanism Reform of LPR in China摘要利率市场化是一个长期的过程，多年来我国持续推进利率市场化进程，但是在此进程中，我国由于基础利率和市场利率两轨并存的问题，利率市场化成果并不显著，因此促进利率并轨对利率市场化来说显得尤为重要。去年我国经ⅰ摘要济整体面临下行压力，货币政策微调，但货币政策传导机制不畅，实体经济融资成本依然较高，2019 年 8 月，人民银行发布公告“改革完善贷款市场报价利率（LPR）形成机制”，备受关注的利率“两轨并一轨”改革拉开了帷幕。本文主要通过列举的方法对 LPR 改革对我国各方面的影响进行分析，并找出相关问题，进一步进行探讨。关键词：利率市场化；利率并轨；LPR 形成机制；改革Research on the Influence of the Formation Mechanism Reform of LPR in China AbstractInterest rate marketization is a long-term process. Over the years, China has continued to promote the process of interest rate marketization. However, in this process, due to the coexistence of basic interest rate and market interest rate, the results of interest rate marketization are not significant, so it is particularly important for interest rate marketization to promote the integration of interest rate. Last year, China's economy as a whole faced downward pressure and fine-tuning of monetary policy. However, the transmission mechanism of monetary policy was not smooth, and the financing cost of real economy was still high. In August 2019, the people's Bank of China issued the announcement "reform and improvement of the formation mechanism of the quoted interest rate (LPR) in the loan market", and the highly concerned reform of "two tracks and one track" of interest rate began. This paper mainly analyzes the impact of LPR reform on all aspects of our country by listing methods, and finds out the ...
