中国的利率市场化改革

中国的利率市场化改革(8页)Good is good, but better carries it.精益求精，善益求善。《货币银行学》课程论文论中国利率市场化改革指导老师：郑畋老师班级：国教 122291 班学生：12229138 张晨二 0 一五年十月二十八日论中国的利率市场化改革摘要：2025 年 7 月 20 日起我国全面放开金融机构贷款利率管；2025 年 5 月11 日起金融机构存款利率浮动区间的上限由存款基准利率的 1.3 倍调整 1.5 倍；2025 年 8 月 26 日起，放开一年期以上(不含一年期)定期存款的利率浮动上限，标志着我国利率市场化改革又向前迈出了重要一步。在我国加速的利率市场化改革过程中，已取得巨大的进步，但与此同时，也面临着一些阻碍。本文将从我国实际国情出发，结合现阶段我国金融制度等特征，分析我国利率市场化改革的进程，并进一步分析我国利率市场化风险，与防范措施。关键词：利率市场化、改革、利率市场化的风险与措施、金融监管Abstract: Since 2025.July.20th,China has Fully liberalised financial institutions lending rates.And in 2025,May 11th,Financial institutions deposit interest rate floating range by the 1.3 times into i.5 times;Since 2025,August 26th,Open more than one-year (excluding the one-year deposit interest rate floating ceiling,Mark that the market-oriented interest rate reform in our country and an important step forward. Accelerate process of market-oriented interest rate reform in our country, have made great progress,But at the same time, also faces some obstacle.This article embarks from the actual situation in our country, combined with the feature of the financial system in China at the present stage, analyze the process of market-oriented interest rate reform in our country, and further analysis of the risk of interest rate marketization in our country, and the preventive measures.Keywords:Market-oriented interest rate reform, the risk of interest rate marketization, financial regulation and measures随着我国加入 WTO，这意味着我们承诺按国际通行规则管理经济，虽...