本文關(guān)鍵詞：利率市場(chǎng)化的經(jīng)濟(jì)法思考　出處：《云南大學(xué)》2015年碩士論文　論文類(lèi)型：學(xué)位論文

  更多相關(guān)文章： 利率市場(chǎng)化 經(jīng)濟(jì)法 國(guó)家干預(yù) 經(jīng)濟(jì)環(huán)境 合理邊界

【摘要】：利率市場(chǎng)化改革是當(dāng)前我國(guó)經(jīng)濟(jì)發(fā)展形勢(shì)下的必然趨勢(shì),推進(jìn)利率市場(chǎng)化不僅是對(duì)金融體系的完善,也是對(duì)我國(guó)整個(gè)市場(chǎng)體系的完善。利率市場(chǎng)化有利于利率杠桿作用的發(fā)揮,有利于資金的優(yōu)化配置。結(jié)合我國(guó)的經(jīng)濟(jì)發(fā)展情況,利率市場(chǎng)化在我國(guó)的推進(jìn)過(guò)程是循序漸進(jìn)的,我國(guó)利率市場(chǎng)化要遵循的路線(xiàn)是：先外幣,后本幣；先貸款,后存款；先長(zhǎng)期、大額,后短期、小額。 2013年7月,在中國(guó)人民銀行(即央行)頒布的《進(jìn)一步推進(jìn)利率市場(chǎng)化改革的通知》中,決定全面放開(kāi)金融機(jī)構(gòu)的貸款利率限制,取消了0.7倍貸款利率下限的規(guī)定,這說(shuō)明我國(guó)全面放開(kāi)貸款利率的目標(biāo)已得到實(shí)現(xiàn)。雖說(shuō)利率市場(chǎng)化正在穩(wěn)步、漸進(jìn)地推進(jìn),但利率市場(chǎng)化仍可能帶來(lái)利率大幅波動(dòng)、行為短期化等問(wèn)題,可能對(duì)經(jīng)濟(jì)造成不利的影響,為了避免這些不利影響的出現(xiàn),就需要為利率市場(chǎng)化提供一個(gè)穩(wěn)定的經(jīng)濟(jì)環(huán)境,而穩(wěn)定經(jīng)濟(jì)環(huán)境的形成離不開(kāi)國(guó)家干預(yù),特別是經(jīng)濟(jì)法中的國(guó)家干預(yù)。 本文結(jié)合我國(guó)當(dāng)前的利率市場(chǎng)化改革背景,從我國(guó)利率市場(chǎng)化入手,第一部分對(duì)利率市場(chǎng)化進(jìn)行簡(jiǎn)要的介紹,對(duì)利率市場(chǎng)化的含義進(jìn)行界定,并介紹其發(fā)展歷程和意義,說(shuō)明我國(guó)在當(dāng)前的經(jīng)濟(jì)形勢(shì)下進(jìn)一步推進(jìn)利率市場(chǎng)化已是必然；第二部分引入利率市場(chǎng)化與國(guó)家干預(yù)關(guān)系的思考,指出利率市場(chǎng)化的推進(jìn)推動(dòng)著國(guó)家干預(yù)的調(diào)整,同時(shí)也需要國(guó)家干預(yù)為其提供一個(gè)穩(wěn)定的經(jīng)濟(jì)環(huán)境保障；第三部分分析了從利率管制背景延續(xù)而來(lái)的國(guó)家干預(yù)在當(dāng)前經(jīng)濟(jì)發(fā)展形勢(shì)下存在的不足,即國(guó)家干預(yù)手段存在滯后性、干預(yù)邊界不明確等；第四部分針對(duì)國(guó)家干預(yù)存在的不足提出解決的建議：通過(guò)為國(guó)家干預(yù)培育新的市場(chǎng)利率作為干預(yù)工具,修改、更新我國(guó)有關(guān)利率的法律法規(guī)和與利率相關(guān)的監(jiān)管法規(guī)來(lái)解決滯后性問(wèn)題；通過(guò)明確干預(yù)主體,將干預(yù)的范圍限定在市場(chǎng)失靈范圍內(nèi),干預(yù)力度確定在充分尊重市場(chǎng)規(guī)律、充分保障經(jīng)濟(jì)自由、充分考量干預(yù)效率范圍內(nèi),同時(shí)為干預(yù)權(quán)力設(shè)置制約,將干預(yù)的權(quán)力限定在一定的范圍內(nèi)來(lái)界定國(guó)家干預(yù)的合理邊界。本文的最終目的是希望通過(guò)完善國(guó)家干預(yù)制度來(lái)為利率市場(chǎng)化提供一個(gè)穩(wěn)定的經(jīng)濟(jì)環(huán)境。
[Abstract]:The reform of interest rate marketization is an inevitable trend under the current situation of economic development in China. It is not only to perfect the financial system to promote the marketization of interest rate. It is also the perfection of the whole market system of our country. The interest rate marketization is beneficial to the exertion of interest rate leverage and the optimal allocation of funds. The process of marketization of interest rate in our country is gradual and orderly. The way that our country should follow in the marketization of interest rate is: first foreign currency, then local currency; First loan, then deposit; Long-term, large, short-term, small. In July 2013, the people's Bank of China (the people's Bank of China, that is, the Central Bank of China) issued "further promote the marketization of interest rate reform" notice, decided to fully liberalize the financial institutions of lending interest rate restrictions. The cancellation of the lower limit of 0.7 times lending rate indicates that China's goal of fully liberalizing the loan interest rate has been realized, although the interest rate marketization is advancing steadily and gradually. But the interest rate marketization still may bring the interest rate big fluctuation, the behavior short term and so on question, may cause the adverse influence to the economy, in order to avoid these adverse effects appear. It is necessary to provide a stable economic environment for interest rate marketization, and the formation of stable economic environment can not be separated from state intervention, especially the state intervention in economic law. Based on the background of interest rate marketization reform in China, the first part briefly introduces the interest rate marketization and defines the meaning of interest rate marketization. It also introduces its development course and significance, which shows that it is inevitable to further promote the marketization of interest rate in our country under the current economic situation. The second part introduces the relationship between interest rate marketization and state intervention, and points out that the promotion of interest rate marketization promotes the adjustment of state intervention, and at the same time, it also needs state intervention to provide a stable economic environment for it. The third part analyzes the shortcomings of the state intervention from the interest rate regulation background in the current economic development situation, that is, the state intervention means exist lag, the intervention border is not clear and so on; In the 4th part, the author puts forward some suggestions to solve the problems of state intervention: to modify it by cultivating new market interest rate for state intervention as a tool of intervention. To solve the lag problem, we should update our country's laws and regulations on interest rate and the regulation related to interest rate. By defining the main body of intervention, limiting the scope of intervention to the scope of market failure, the degree of intervention is determined in full respect for market law, full protection of economic freedom, and full consideration of the scope of intervention efficiency. At the same time, the power of intervention is restricted. The ultimate purpose of this paper is to provide a stable economic environment for interest rate marketization by perfecting the system of state intervention.
【學(xué)位授予單位】：云南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類(lèi)號(hào)】：D922.29

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