在金融改革中被各方关注的利率市场化,自上个世纪90年代以来,走过一条曲折且缓慢的路径,到如今踏步提速,市场化原则日渐显现。人民银行行长周小川近日表示:存款利率放开很可能在最近一两年实现。最后一步搭配“一两年”的跨度,颇多耐人寻味,一个重要原因就是:利率市场化需要与存款保险制度出台保持一个节奏与方向上的同步。 Interest rate liberalization, which has been the subject of attention by all parties in the financial reform, has been taking a tortuous and slow path since the 1990s and now it is accelerating and the principle of marketization has become increasingly apparent. Zhou Xiaochuan, governor of the People’s Bank of China, said recently that the easing of deposit interest rates is likely to be realized in the past year or two. One of the important reasons for the last step of matching the span of “one or two years” with “one or two years” is that the marketization of interest rates needs to be synchronized with the deposit insurance system in a rhythm and direction.