In new network on July 20 report (Li Jinlei) rise now, chinese people bank will unlock control of interest rate of financial orgnaization loan in the round, cancel interest rate of financial orgnaization loan the floor level of 0.7 times, by financial orgnaization basis commercial princthe best spring pooliple determines level of loanwatch case opener interest rate independently. The analysis points out, unlocking control of loan interest rate is the one step with advance interest rate to commercialize reform very important, conduce to reduce social financing cost, support hypostatic economy progress and economic structure transition, deliver a Chinese economy reform is being carried fast signal.
It is important that interest rate commercializes reform to be stridden one pace
Chinese people bank announces 19 days, unlock control of interest rate of financial orgnaization loan in the north face shirtsround since July 20, 2013. Among them, cancel interest rate of financial orgnaization loan the floor level of 0.7 times, by financial orgnaization basis commercial principle determines level of loan interest rate independently; To rural credithe most popular watch casest agency loan interest rate establishs upper limit no longer. modern dining chairs
Notable is, this is the Central Bank was unlocked further 2012 after putting loan interest rate, interest rate of a year of China is lain between brass faucetto commercialize the anothmodern dining chairser significant move of reform when. Before this, china ever enlarged finance further in Julythe most popular selling norton internet antivirus at was being mixed in June 2012 the orgnaization puts interval of float of loan interest rawatch case manufacturerte.
"Abolishing interest rate control is the premise that interest rate commercializes, because this abolishs lower limit of loan interest rate,be a significant progress. " Zun Xiaolei of presiding president adviser is opposite galactic negotiable securities to say when in accepting, new network reporter is interviewed.
"It is very important that Chinese interest rate commercialized reform to be stridden again the one pace with the key, " Zhao Xijun of assistant dean of college of finance of finance of Chinese people university is right in new network reporter expresses, loan interest rate unlocks the competition of market of loan of meeting aggravate bank, the effect that makes market mechanism is developed thereby is more apparent, produce the effect of superior bad discard better.
Be helpful for an enterprise reducing financing cost
After control of loan interest rate is unlocked in the round, what kind of effect will produce? Ox of director of macroscopical economy lab plows national information center in be opposite, new network reporter expresses, after control is unlocked, between enterprise and bank OK and mutual free negotiate a price, raise the rate that the market competes, good business wins the financial support with loan lower interest rate more easily, reduce loan cost thereby.
The Central Bank also expresses about chief, after unlocking control of loan interest rate in the round, financial orgnaization and client negotiate the space of the price to will expand further, be helpful for promoting financial orgnaization to adopt the price strategy of poor dissimilation, reduce industry financing cost; Be helpful for financial orgnaization increasing own price capacity ceaselessly, change manages mode, promotion serves a level, the finance that increases pair of enterprises, dweller supports strength.
Chinese foreign currency invests academy dean Tan Yaling to express to the reporter, after unlocking control, the financial orgnaization such as the commercial bank can decide the interest rate of the whereaboutldirection of loan and loan independently, but also will be faced with risk canal to accuse to be cast with loan to whether reasonable challenge, this meeting checks the capability that check finance orgnaization is managed independently and fixes a price independently.
Zhao Xijun is right in new network reporter expresses, loan interest rate is unlocked, the bank can strive for high grade client through lowering interest rate, the enterprise that this will made has an advantage more on bargain authority, on one hand, preeminent company can obtain loan with lower interest rate, reduce loan cost, obtain rapidder development; On the other hand, for poorer to a few development enterprise, because bargain ability is weak, the likelihood can face the test of higher loan interest rate.
Deliver Chinese economy reform to carry fast signal
"The one step that unlocks loan to interest rate is restricted even if advance financial industry to support hypostatic economy place to do is important reform, " the ox is plowed in be opposite, new network reporter expresses, this does not mean monetary policy loosen, this reform will make financial industry increases pair of hypostatic economy, right high grade, the supportive strength that expands the business with good prospect and trade.
Niu Li expresses, since this year, the economic reform of Chinese each respect is being carried fast. This interest rate commercializes reform meaning to be in apply market tool and market lever adequately, also have main effect to advancing economic structure transition to upgrade.
Notable is, this reformbrass faucet aerator did not enlarge interval of float of interest rate of financial orgnaization saving further. To this, niu Li expresses, it is current that advance gradually type is advanced stage by stage the fundamental key that each economy reforms, saving interest rate involves ten million dweller and family, their should compare to ability photograph lose for the enterprise a few, if be unlocked completely at a draught, can affect to each respect such as financial industry bigger, need to be advanced steadily so.
The analysis says, the influence that saving interest rate commercializes reform is more far-reaching, asks condition is opposite also taller. The successful experience from international looks, unlocking control of saving interest rate is interest rate commercializes the most crucial, risk is the biggest phase in reforming a progress, need the adult rate according to each foundation condition to divide a pace to carry out, advance in order.
"Leave one stage, people bank will continue to perfect commercialize interest rate form a mechanism, optimize money market system of standard interest raharrison hot spring weather forecastte, build perfect finance orgnaization own price mechanism, indebted product commercializes escalate price limits, mechanism of market of older rate play configures medium fundamental sex action in financial natural resources. " the Central Bank expresses about chief.
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