论文部分内容阅读
利率市场化下的投资机会对于投资产品大致分了两类,一类是固定收益类,还有一个是权益类产品。早在1996年,我国就在利率市场化方面进行深入的探索。当时是在机构之间放开同业拆借的市场利率,较为熟悉的是,2012年6月,当时存款利率浮动上限进行调整,当时调整为1.1倍,贷款利率下限在6月份调整1.1倍,7月份的款利率下限调整为0.7倍。
Investment opportunities under the market-based interest rate are roughly divided into two categories for investment products, one is the fixed income category, and the other is the equity products. As early as 1996, China conducted an in-depth exploration on the marketization of interest rates. At that time, the market interest rate for inter-bank lending was relaxed between institutions. More familiar with that, in June 2012, when the floating ceiling of the deposit interest rate was adjusted, it was adjusted to 1.1 times and the loan interest rate lower limit was adjusted 1.1 times in June. In July The lower limit of the interest rate adjusted to 0.7 times.