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利率市场化进程是一个渐进过程,分为三个阶段:货币市场的利率市场化、资本市场的利率市场化和金融机构存贷的利率市场化。1996年我国基本实现了同业拆借市场的利率市场化;2005年以来债券市场的发展完善了利率市场化改革进程,为实施金融机构存贷利率市场化创造了前提条件;目前,我国已进入第三个阶段,逐步取消存贷利率管制,推进利率市场化进程。正是这个过程给我国银行业带了一系列的影响。1.银行主业受到冲击。在利率管制时期,从银行的资产结构和收入结构来
The process of marketization of interest rates is a gradual process that is divided into three stages: the marketization of interest rates in money markets, the marketization of interest rates in capital markets and the marketization of interest rates in deposits and loans of financial institutions. In 1996, China basically realized the marketization of interest rate in the interbank borrowing market. Since 2005, the development of the bond market has perfected the interest rate marketization reform process and created the preconditions for the marketization of deposit and lending interest rates in financial institutions. At present, our country has entered the third In this phase, the deposit and loan interest rate control will be gradually phased out and the marketization of interest rates will be promoted. It is this process that has brought a series of influences to our country’s banking industry. 1. The main banking business was hit. In the interest rate control period, from the bank’s asset structure and income structure