我国利率政策对经济发展的影响及对策解析.doc

　　　　　　　 我国利率政策对经济发展的影响及对策 The Influence and Countermeasures of the Interest Rate to the Economic Development in Our Country　 摘要 随着经济的不断发展，利率对经济的影响将越来越大，已成为反映宏观经济和微观经济形势的一个重要的指标，世界各国宏观调控已转向频繁运用利率杠杆，利率政策己成为各国中央银行调控货币供求、进而调控经济的重要手段，利率政策在中国货币政策中的地位将越来越重要。九十年代以来，中国人民银行在不长的时间跨度里，多次调节利率，显示了其运用利率政策推动经济发展的信心。可是，由于我国经济发展水平和全球型经济的影响，影响了利率政策效应的发挥，使利率政策效应在不同的阶段和不同的宏观与微观市场产生了不同的效应。进一步提高利率政策的有效性成为一个值得研究的问题。由此，认真分析导致利率政策的有效性，对促进我国经济发展极为有利，特别是现阶段在国际金融危机的背景下，利用良好的利率政策来规避我国可能的经济风险。 关键词： 利率政策 经济发展 影响 The Role of Interest Rate Policy on Economic Development Abstract As the economy continues to develop, the impact of interest rates on the economy will be growing, has become a reflection of macro-economic and micro-economic situation is an important indicator of the world have turned to frequent use of macro-control levers rates, interest rate policy has become a central countries banks control money supply and demand, and thus an important means of regulating the economy, interest rate policy position in Chinas monetary policy will become increasingly important. Since the 1990s, the Peoples Bank of China in a short time span, repeatedly adjusting interest rates, indicating its use of interest rate policy to promote the economic development of confidence. However, due to the level of economic development of China and the global economy, the impact of the effect of interest rate policy to play, so that the effect of interest rate policy in different stages and different macro and micro market had a different effect. Further improve the effectiveness of interest rate policy as a problem worthy of study. Thus, a careful analysis of the effectiveness of interest rate policy lead, to promote Chinas economic development is extremely beneficial, especially at this stage in the context of the international financial crisis, the use of interest rate policy to circumvent the good of the possible economic risks. Key words: Interest Rate Policy Economic Developmen