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近段时间,反复探讨了达十年之久的利率市场化,再次成为财经媒体的焦点。中国人民银行决定,从2011年12月5日起,下调存款类金融机构人民币存款准备金率0.5个百分点。十多年来,央行调整存款准备金率、存贷款利率已经有数十次之多,但是,比起央行对存准率、利率所做的这些调整,更值得人们期待的或许就是利率市场化改革。而来自近邻的消息或许更加刺激了人们对于国内利率化改革的期盼。10月25日,印度央行宣布,允许商业银行自行确定存款利率,并从即日起执行。
Recently, it has repeatedly discussed the marketization of interest rates for a decade and again became the focus of the financial media. The People’s Bank of China decided that the deposit reserve ratio of deposit-taking financial institutions should be lowered by 0.5 percentage point from December 5, 2011 onwards. For more than a decade, the central bank has adjusted the deposit reserve ratio and deposit and loan interest rates by tens of times. However, compared with the central bank’s readjustment and interest rate adjustments, what should be expected is perhaps the interest rate liberalization reform. And news from the neighbors may further stimulate people’s expectations of the domestic interest rate reform. On October 25, the Bank of India announced that it would allow commercial banks to set deposit rates on their own and implement it with immediate effect.