为什么选择“利率市场化,金融脱媒与上海自贸区展望”这个题目,因为十八大提出的中国金融的改革就是三个方面:第一个是利率市场化,第二个是多层次资本市场,第三个是资本的兑换,我点评一下这三方面的进展。首先说利率市场化,其标志性、重要性不说了,但是其进展比我们想象得快得多,比我们外界媒体想象得更快。其实大家经常关注的是存款利率、贷款利率,这 Why Choose “Interest Rate Marketization, Financial Disintermediation and Prospect of Shanghai Free Trade Area” because the reform of China’s finance put forward by the 18th CPC National Congress is in three aspects: the first is the marketization of interest rates and the second is more The level of capital markets, the third is the exchange of capital, I comment on these three aspects of progress. First of all, the marketization of interest rates is not marked by its importance or importance. However, its progress has been much faster than we imagined and we can imagine it faster than our external media. In fact, we are often concerned about the deposit interest rates, lending rates, this