利率市场化对居民投资理财的影响分析

摘要

有关利率方面的调整工作，中央银行一直在进行，并于2015年10月24日将其彻底整改，先是降息降准再是将存款利率的上限取消。此次变革对我国有着多方面不同程度的影响，比如有关利率的一些市场环境都会随之改变。改革的根本目的就是在金融方面改善民生，使人民的经济水平和生活水平得到提升，但改革并没有使多元化的结构得以完全形成，因此还是会面临一些风险和问题。但可以肯定的是此次利率市场化改革与我国人民的投资方向息息相关，下面本文将会针对二者的联系进行论述，分析其中的原因和相应的解决措施。

【关键词】利率市场化居民理财理财结构

Abstract

Regarding the adjustment of interest rates, the Central Bank has been conducting it and completely rectified it on October 24, 2015. First, the rate cut will be lowered and the upper limit of the deposit interest rate will be cancelled. This change has many different degrees of impact on China, such as some market conditions related to interest rates will change. The fundamental purpose of the reform is to improve people's livelihood in finance and to improve the people's economic level and living standards. However, the reform has not completely formed the structure of pluralism, so it still faces some risks and problems. However, it can be affirmed that the interest rate marketization reform is closely related to the investment direction of the Chinese people. The following paper will discuss the relationship between the two and analyze the reasons and corresponding solutions.

Keywords: interest rate marketization, resident financial management, financial structure

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