储蓄和信贷协会对美国利率政策的影响

摘要

How to maintain the saving and credit association’s attractiveness for funds and reduce the financing costs, which was the key factor for interest rate policy’s implement in US during the process of interest rate marketization. By reviewing the solutions for saving and credit association’s problems in the interest rate regulation and interest rate marketization processing, the author analyzed the enlighten-ment to the China’s interest rate marketization.%在美国利率市场化的过程中，保持储蓄和信贷协会对资金的吸引力，以及降低其融资成本成为美国在实施利率政策的重要考虑因素之一。通过回顾美国在实施利率管制和利率市场化过程中采取的解决储蓄和信贷协会问题的做法，分析了其对我国利率市场化的启示。