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长期停留在学术性讨论层面的利率市场化改革,最近突然以加速度的姿态跃人公众的视野。从2012年6月8日到7月6日,在不足一个月的时间内,央行连续两次下调存贷款基准利率,存贷款利率的浮动程度也同时做出了调整。尽管央行最近的这一系列频繁的货币政策调整动作,被认为是刺激实体经济发展的一种应对之策,但在金融业界看来,这意味着市场呼唤已久的利率市场化改革步伐开始进入加速阶段,标志着利率市场化向前迈出了一大步。利率市场化被认为是充分发挥市场对信贷资源配置作用的一个重要途径。此次利率市场化的启动,客观
The market-based interest rate reform, which has long remained at the academic discussion level, suddenly came to the public’s view with a sudden acceleration. From June 8 to July 6, 2012, in less than one month, the central bank cut the benchmark lending and deposit interest rate twice in a row, and the floating rate of deposit and lending rates also adjusted at the same time. Although this series of frequent monetary policy adjustments by the central bank are considered as a response to stimulating the development of the real economy, in the financial industry, this means that the pace of market-oriented interest rate liberalization has begun to enter the market The acceleration phase marks a major step forward in the marketization of interest rates. The marketization of interest rates is considered as an important way to give full play to the market’s role in allocating credit resources. The launch of market-oriented interest rates, objective