利率市场化改革的相关问题与政策建议

我国利率市场化改革在货币市场、债券市场和信贷市场已取得长足进展，在促进商业银行加强内部管理、实现金融支持经济增长、培养商业银行产品定价能力等方面起到了积极作用。继续推进利率市场化改革，最终放开存贷款利率，将面临利率水平波动、商业银行经营收益变化、中央银行调控手段改进等相关问题。为此，商业银行应建立利率风险防范机制，实施经营收益多元化策略；中央银行则应改革政策调控方式，并加强信贷市场的金融监管。

Interest Rate Reform and Policy Recommendations Related Issues

The market-oriented reform of interest rates in the money market,bond market and credit markets have made significant progress in the promotion of commercial banks to strengthen internal management,and financial support for economic growth,develop commercial banking products pricing power has played a positive role.Continue to promote the interest rate reform,and ultimately release the deposit and lending rates,interest rates will face fluctuations,changes in operating income of commercial banks,central ban...