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随着经济的不断发展,我国开始步入CNY存贷款利率化市场的重要阶段。因为我国在CNY存款利率市场化中主要受三方面的束缚,一方面是财政赤字,一方面是银行风险,还有一方面是投资于消费之间的需求不够充足。假如在这三方面的基础上依然进行CNY存贷款利率市场化变革的话,不仅使这三方面束缚被恶化,还有可能导致金融危机等问题的产生。本文首先对CNY存贷款利率市场化与利率市场化之间的联系做出分析,然后提出利率市场化的原因及CNY存贷款利率市场化存在的问题,最后根据所存在的问题进行解决。
With the constant development of the economy, China has started to enter the important stage of the interest-rate deposit and loan market of CNY. Because China is mainly bound by three aspects in the marketization of the deposit rate of CNY, on the one hand it is the fiscal deficit, on the one hand, the bank’s risk, on the other hand, the demand between investment and consumption is not sufficient. If the marketability of the deposit and lending interest rates on the basis of these three aspects is still marketized, it will not only worsen the bondage in these three areas but may also lead to problems such as the financial crisis. This paper first analyzes the link between the marketability of deposit and lending interest rates and the marketization of interest rates, and then points out the reasons for the marketization of interest rates and the existence of the market-oriented deposit and lending rates, and finally settles the problems according to the existing problems.