【作者】 陈小玲；

【导师】 黎玉柱；

【作者基本信息】 武汉科技大学 ， 管理工程， 2001， 硕士

【摘要】 利率市场化是我国经济体制由传统的计划体制转向社会主义市场经济体制的重要标志，也是我国进一步深化改革特别是深化金融体制改革所迫切需要解决的一个紧迫问题。本文目的就在于对这一问题进行一个较为系统的探讨，全文共分五章： 第一章主要在对利率概念进行界定和对利率理论进行回顾的基础上，集中讨论了利率形成机制的类型以及利率市场化的意义，包括一般意义和在我国转型期经济体制改革与发展中的特殊意义。 第二章在对我国利率制度的现状进行分析的基础上，指出我国利率制度存在利率形成机制不合理、利率水平不合理及利率结构不合理等问题。分析了不合理的根本原因是我国的国有产权制度，并对这种不合理的利率制度对经济的影响作了讨论。 第三章从我国的现实出发，分别对我国利率改革的近、远期目标做了分析与界定，并在此基础上对我国利率市场化改革需完善的条件等问题进行了探讨。 第四章对我国利率市场化可能面临的风险问题进行了详细的分析。这些风险主要为利率上升的风险、金融市场化恶性竞争的风险、企业财务成本上升的风险、金融机构破产的风险和政府宏观调控失控的风险。 第五章针对前一章所提到的风险问题，从抑制利率过度上升、抑制金融市场恶性竞争、化解企业财务成本上升、化解金融机构信用风险及加强政府宏观调控等五个方面给出了相应的对策设想。更多还原

【Abstract】 It is a very important sign to allow market forces to play a greater role in China’s transition economy, which is from a planning economy to a market one with socialist characteristics and the integration of global economy. The reform in the liberalization of interest rate is an urgent matter which needs to be solved. Based on this perception, the purpose of this paper is to put forward suggestions of how to restructure liberalization of the interest rate. The paper is divided into 5 chapters as follows:Chapter 1 begins by looking at the definition of the rate, and then discusses systematically the different schools of thoughts on which the interest mechanism reform of China is based and their important use for reference. This section mainly discusses two different types of forming system of interest rate, and the meaning of interest rate liberalization, including its general meaning and its specific meaning for China.Chapter 2 analyzes the situation of the interest rate system in China, and points out that the system is not reasonable. There exist at least the following three reasons: first, the forming system is not illogical; the second, the level of the interest rate is not illogical, and the third, the structure of the interest rate is also not reasonable. Based on further discussion, the author’s explanation is that the state-owned property right is a deep-rooted resource. Moreover, the author makes a comprehensive analysis of the offset effect on the economy caused by the illogical rate system.Chapter 3 mainly discusses the procedure and necessary conditions of the interest rate liberalization in the context of the current situation in China. The author sets two objectives for the rate reform. One is a short- term goal and the other is a long term one. According to those two objectives, a concerned description of speed, time, order and conditions of the rate liberalization is offered.Chapter 4, mainly discusses the risks, which will probably be brought about by the liberalization of the interest rate. Such risks could include the rate increase at the beginning of interest rate liberalization, the intensified competition in financial market, the cost increase of enterprises, the closing or downsizing of commercial banks and the government losing control of the interest rate.In chapter 5, considering the situation and the features of China’s financial reforms, and according to the experiences and lessons from the other countries, the author gives her suggestions on how to guard and control those risks mentioned in chapter 4.更多还原