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一、我国利率市场化进程自1993年十四届三中全会《关于建立社会主义市场经济体制若干问题的决定》最早提出利率市场化构想以来,我国利率市场化的进程已经推进了超过20年。而实质性的利率市场化推进则始于1996年6月取消拆借利率上限管理,实现了拆借利率完全市场化。经过数次政策推进,我国的利率市场化已经进入到最后阶段,即存款利率上限的放开。这也是在借鉴了国际经验的基础上,我国选择的利率市场化推进路径的结果。
I. The Marketization Process of Interest Rates in China Since the earliest marketization of interest rate was put forward by the Third Plenary Session of the 14th CPC Central Committee in 1993 on the “Decision on Some Issues Concerning the Establishment of a Socialist Market Economy System,” the process of marketization of interest rates in our country has advanced more than 20 years. The substantive marketization of interest rates began with the abolition of the upper limit of the interest rate of lending in June 1996, thus realizing the complete marketization of the lending rate. After several policy advancements, the marketization of interest rates in our country has entered the final stage, that is, the liberalization of the deposit rate ceiling. This is also the result of marketization of interest rates marketed by our country on the basis of reference to international experience.