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在社会主义市场经济条件下,生产者与消费者的市场供求关系决定了各行业领域的利率高低,也正是由于这个原因货币市场中产生了利率市场。在利率市场中,国家执行宏观调控职能所发行的货币量对行业利率发挥着间接性的调节作用,消费者在市场中仍然居于自主地位,从根本上已由受国家控制的利率转变为根据市场经济决定商品价格利率。在这一过程中随着市场经济的发展商业银行已经成为主要竞争对象,在利率市场化日益显著的局势下其控制风险的实力有着很多缺陷,已经成为利率市场化下引发弊端的重要原因,而这些弊端则造成了商业银行的非正常运行。
Under the condition of socialist market economy, the market supply-demand relationship between producers and consumers determines the interest rates of various industries and it is precisely for this reason that the interest rate market has emerged in the money market. In the interest rate market, the amount of money issued by the state in implementing the macro-control function plays an indirect regulatory role on the industry interest rate. Consumers still occupy an autonomous position in the market, fundamentally changing from a state-controlled interest rate to a market-based Economy determines the price of the commodity. In this process, with the development of market economy, commercial banks have become the main competitors. In the increasingly prominent interest rate market, the strength of risk control has many shortcomings. This has become an important reason for the drawbacks caused by the marketization of interest rates. These drawbacks caused the abnormal operation of commercial banks.