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The Research on the Effect of Interest Policy in China

Author: ZhangZuo
Tutor: DuLi
School: Jilin University
Course: Finance
Keywords: Interest Rate Interest Rate Policy Effect
CLC: F822.0
Type: Master's thesis
Year: 2009
Downloads: 455
Quote: 0
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Abstract


With the continuous development of economy, interest rates impact on the economy will be larger and larger. It is an important target of reflect the macroeconomic and micro-economic situation. Many countries in the world have changed Macro-control to the frequent use of the interest rate lever. Interest rate policy has become the central banks control the monetary supply and demand, and thus an important means of regulating the economy. Interest rate policy in China’s position in monetary policy will be more and more important.Since the nineties, People’s Bank of China has adjusted the interest rate on many occasions in a short time. It shows that its use of interest rate policy to promote economic development of confidence. However, because of Chinese economic development level and the impact of the global economy, the effects of interest rate policy have been limited. So that effects of interest rate policy at 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 is beneficial to our country in promotion of economic development. Especially at this stage in the international financial crisis background, the use of a good interest rate policy to avoid the possible risks to the economy in our country.In this paper, interest rate and the effects of interest rate policies in China is a study object. In the previous research and the practice of monetary policy at home and abroad to grasp, Chinese interest rate policy based on the effect of the implementation. Regulate the use of data analysis and corroboration of the ways. Qualitative and quantitative analysis of the interest rate policy have been used. A systematic analysis has been used from Theory to Practice, from the abstract to the concrete to make. The paper on the Chinese sought to regulate the implementation of interest rate policy analysis, establish a Chinese study of effects of interest rate policy framework.To this end, the paper first of all from the concept of interest rates and interest rate policy of the review of the effectiveness of the general theory of start. On this basis, relying on interest rate policy in the Chinese history and at this stage of the implementation of economic and financial environment, the interest rate effects have been studied from the ultimate goal of interest rate policy, interest rate policy instrument, the effect of interest rate policy and so on systematic analysis of the Chinese currency policy. Paper has also focused on data collection. From the perspective of the volume of China’s current interest rate policy effects were studied.This paper analyzed the effects of interest rate policy. The aim is to identify constraints to implement the effect of China’s interest rate policy of the main factors. In this paper, the basic idea is:Part One. A summary of interest rate policy and its formation and development have been introduced. First of all, introduce the concept of interest rates. Interest rate is a ratio between Lending rate and Loan rate in the formation period. It is of interest to measure the level of the target. It is often regarded as the price of capital in market transactions. Second, clearly the main determinant of interest rates have on average profit margins, loan supply and demand of funds, expected rate of inflation, the country’s economic policy, socio-economic operation cycle, the history of the interest rate level, the level of international interest rates. Finally, the interest rate on the relevant theories, including: interest rate theory, the validity of the theoretical interest rate policy.Part Two. Through specific analysis, this paper analyzed the impact of interest rate policy on household savings, economic growth and employment from a macro-economic aspect. This paper analyzed the impact of interest rate policy on banking, stock and real estate market from a micro-economic aspect.Part Three. Improve the interest rate policy, effective regulation and control of economic operation. The implementation of China’s interest rate policy problems have been discussed in this part. Countermeasures including: On the one hand, the limitations of interest rate policy. The effectiveness of interest rate policy is relatively low. It should not change the implementation of the economic behavior of the public with the actual operation of the trajectory of the national economy. Expected goal of macroeconomic control of the Central Bank is unable to achieve. In the process of interest rate policy formulation, implementation and effects, objectively the effectiveness of interest rate policy will have varying degrees of lower. On the other hand, interest rate management system and the interest rate formation mechanism are not sound. Level and structure of interest rate determination and adjustment of management by the central bank. The scope of commercial banks must enjoy the right to limited floating. In this regard, this paper gives a series of recommendations: improving the relevant supporting policies system. Loans from financial institutions and reduce the flexibility in the use of the statutory reserve ratio system. At the same time to speed up the process of market-oriented interest rate and interest rate policy to improve conduction of the market mechanism.

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CLC: > Economic > Fiscal, monetary > Currency > China's currency > Principle of policy and its elaborate
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