利率市场化及中小银行的对策研究

利率市场化是我国金融改革的重要目标之一 ,势在必行。我国的利率市场化改革必须选择渐进式的改革路径。“入世”将加快这一改革进程。在 WTO过渡期内 ,我国将实行管理浮动利率制。对中小银行而言 ,这既是挑战 ,也是机遇。中小银行的对策包括苦练内功 ,加强合作以及争取相应的政策支持。

The Study of Interest Rate Liberalization and the Countermeasures of Small and Medium-sized Banks

Interest rate liberalization is an important and imperative goal of financial reform.In China,this reform should be undertaken gradually.China's entry into the WTO will accelerate the process.During the WTO transitional period,we will confront the regulated floating interest rate system,which would be both a challenge and an opportunity to the small and medium sized banks.The countermeasures of small and medium sized banks should include:upgrading management,reinforcing cooperation and trying to obtain policy support.