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央行全面放开金融机构贷款利率管制和允许存款利率上浮10%,标志着我国利率市场化迈出了关键的步伐,酝酿多年的存款保险制度也渐行渐近。时隔一年,随着利率市场化改革的不断深入和有效实践,市场逐渐发生改变,如何完善金融机构利率定价和利率风险管理机制从而使市场在金融资源配置中起主导作用?作为一种全新的利率运行机制,如何协调金融监管和商业银行等金融机构的角色以保证利率市
The central bank’s full liberalization of the lending rates of financial institutions and the allowance of deposit interest rates to go up by 10% marked a crucial step toward marketization of interest rates in our country. The deposit insurance system that has been brewing for years has also become increasingly asymptotic. A year later, with the deepening and effective practice of market-based interest rate reform, the market has gradually changed. How to improve the interest rate pricing and interest rate risk management mechanism of financial institutions so that the market plays a leading role in the allocation of financial resources? As a brand new Interest rate operating mechanism, how to coordinate financial supervision and the role of financial institutions such as commercial banks to ensure interest rates