中国利率市场化进程及相关问题研究
本文主要研究中国利率市场化进程和相关问题，其中相关问题包括中国利率市场化的成就、存在的问题，及未来的展望。首先介绍了利率市场化的相关概念和基本特征。然后,详细介绍了中国利率市场化的进程，及期间的成就和出现的问题。最后是对中国利率市场化的未来展望。
毕业论文关键词：利率 利率市场化 改革
Progress in China's marketed interest rate and related research
Abstract: With the deepening of China's market economy, the rapid development of international economic integration and financial globalization, the interest rate market is of deepening financial reform, deepen financial innovation inevitable choice. Interest rate reform in our country is imperative. The interest rate market is not only the development trend in today's world of globalization, but also the general trend of China's financial reform and objective requirements, its effect on China's monetary policy, financial institutions, businesses and inpiduals will have a great effect; for our country to adapt to the global economy develop and improve the domestic micro-economic basis, optimizing resource allocation, adjusting economic structure has an important role can not be replaced. Therefore, to discuss and study the progress of the interest rate market and the related issues of great significance.
This paper studies the Chinese interest rate marketed process and related issues, including issues related to the inevitability of China's interest rate market, China's interest rate market achievements, problems and future prospects. First introduced market-oriented interest rate related concepts and basic features. And analyzes the necessity of market-oriented reform of interest rates; then, detailing the achievements of the process of marketed of interest rate in China, and during and emerging issues. Finally, China's interest rate market in the future outlook.
Key Words：Interest rates; Interest rate marketization reform
目 录
一、利率市场化的基本概念 - 1 -
（一）利率市场化的概念 - 1 -
（二）利率市场化有如下特点 - 1 -
二、中国利率市场化改革的进展 - 2 -
（一）利率市场化改革的起步阶段（1983—1989） - 2 -
（二）利率市场化改革的大力推进阶段（1990—1998） - 4 -
(三)利率市场化改革成熟阶段（1998—2013） - 5 -
三、中国利率市场化改革取得的阶段性成果 - 7 -
(一)利率调控机制的转变 - 7 -
（二）利率体系的完善 - 8 -
四、中国利率市场化改革存在的问题 - 9 -
（一）利率调控效率损失 - 9 -
（二）金融监管、法律不健全，市场退出机制缺失 - 9 -
（三）相似银行体系 - 10 -
五、对中国利率市场化改革的展望 - 11 -
（一）中国放开存款利率管制的制约因素 - 11 -
（二）中国未来利率市场化改革的目标和原则 - 12 -
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