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利率市场化对企业而言,财务成本和投资收益不确定性将明显增强;还将面临更多创新和复杂的金融工具和服务,风险控制难度也将提升。利率市场化指资金价格由金融市场主体包括金融机构、企业以及居民等的市场需求和供给决定。最近中国人民银行扩大对人民币存贷款利率浮动范围,在一定程度上反映了中国当前经济金融现状以及对进一步推进利率市场化的迫
Market-oriented interest rates For enterprises, the financial costs and investment returns will be significantly increased uncertainty; will face more innovative and sophisticated financial instruments and services, risk control will also be more difficult. Market-based interest rate refers to the capital price determined by the market demand and supply of financial market entities including financial institutions, enterprises and residents. Recently, the People's Bank of China expanded its floating range of interest rates on RMB deposits and loans to a certain extent, reflecting the current economic and financial situation in China and the urgency of further marketization of interest rates