【摘要】 根据人民币利率市场化、汇率市场化、金融市场开放化、人民币国际化四方面的关系,对利率市场化进程做了基本判断。并借鉴其他国家利率市场化进程中的经验,给出了利率市场化条件下中国农村金融改革的相关政策建议。一是农村金融机构应配合监管当局逐渐理清所面对的主要利率风险;二是农村金融机构应在利率市场化进程中大力发展个人贷款,合理控制农村部门居民负债走势,增强风险防范能力;三是推动农业保险体系建设,健全农业补偿机制;四是农村金融机构应积极创新金融服务,支持农村新兴产业,推动建设"智慧农村"。这些政策建议对货币政策管理及农村金融机构风险管理具有实证借鉴作用。更多还原

【Abstract】 A brief comment is made on the progress of the market orientation of interest rate based on the relationship between the four aspects of the RMB market-oriented interest rate,market-oriented exchange rate,the opening of financial market,and the internationalization of the RMB.Some suggestions are offered as for the Chinese rural financial reform under the condition of market-oriented interest rate by drawing on the experience of other countries in interest rate marketization.These recommendations have practical significance for monetary management and the risk management in rural financial institutions.更多还原