银监会副主席阎庆民11月20日在财经年会上称,放开存款利率上限还需一个时间过程。在利率市场的过程中,阎庆民认为必须要有良好的财务基础,对于资产负债率高、资本金不够的国有企业更是如此。在过去多年的改革开放证明,杠杆利率化的方式是不可持续的。对于利率市场化的担忧,阎庆民认为若是利率市场化 Yan Qingmin, vice chairman of the China Banking Regulatory Commission, said at the annual meeting of the financial industry on November 20 that it needs a certain period of time to release the deposit interest rate cap. In the course of the interest rate market, Yan Qingmin believed it necessary to have a good financial foundation, especially for state-owned enterprises with high debt-to-asset ratio and insufficient capital. The years of reform and opening up in the past have proved that the way of the rate-leveraging of the arms is unsustainable. Concerning the marketization of interest rates, Yan Qingmin thinks that if the interest rate is marketized