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作为一个重要的宏观经济变量,利率的变动对各经济主体的行为产生着重要影响。利率市场化将对中国的商业银行带来新的机遇与挑战。利率市场化的本质,是让利率在储蓄向投资转化过程中充分发挥杠杆调节功能,从而使市场在金融资源配置中发挥更大的基础性作用。
As an important macroeconomic variable, changes in interest rates have an important impact on the behavior of various economic entities. Marketization of interest rates will bring new opportunities and challenges to China’s commercial banks. The essence of the marketization of interest rates is to allow the interest rate to fully leverage its leverage in the process of saving from investment to investment so as to enable the market to play a more fundamental role in the allocation of financial resources.