摘要
随着经济货币化程度的不断加深,我国商业银行利率定价对金融资源和社会财富配置的作用越来越明显、越来越重要。银行业利润率高企,已引起社会各界的广泛关注。本文以银行和企业样本为研究对象,从分析现行双轨制利率体制下商业银行利率定价困境出发,探究Shibor培育方面和利率市场化改革的现实路径。
With the deepening of the degree of monetization of the economy, the role of interest rate pricing to fi- nancial resources and social wealth configuration is more obvious and important. The banks＇ profit margins constantly high and the gap with other industries growing has aroused widespread concern.This paper based on samples of bank and enterprise, starts with the analysis of resources allocate caused by practices of commercial bank interest rate pric- ing under dual-track system of the interest rate regime, and explores market path to reinforce the reality of the micro- scopic foundation of the interest rate.
出处
《金融发展研究》
2013年第1期12-16,共5页
Journal Of Financial Development Research
关键词
利率市场化
改革
interest rate liberalization, reform
