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《国务院关于落实<中华人民共和国国民经济和社会发展第十二个五年规划纲要>主要目标和任务工作分工的通知》提出,由中国人民银行牵头负责深化金融体制改革工作,“稳步推进利率市场化改革”。改革开放三十多年来,我国利率市场化改革取得了令人瞩目的成就,有利地促进了我国金融体系的发展和壮大。本文以吉林省村镇银行为例,实证检验了利率市场化对于促进新型农村金融机构发展和提高抗风险能力的实际效果,对于推进利率市场化改革和新型农村金融机构培育具有双重意义。
“The State Council’s Notice on the Implementation of the Major Tasks and Tasks in the Twelfth Five-Year Plan for the National Economic and Social Development of the People’s Republic of China” has proposed that the People’s Bank of China take the lead in deepening the reform of the financial system and “steadily push forward the interest rate Market-oriented reform ”. Since the reform and opening up for more than 30 years, the market-based interest rate reform in China has made remarkable achievements and has favorably promoted the development and expansion of China’s financial system. Taking Jilin province village bank as an example, this paper empirically tests the practical effect of the interest rate marketization on promoting the development of new rural financial institutions and enhancing their anti-risk ability, which is of double significance for promoting the marketization of interest rates and cultivating new rural financial institutions.