南方金融
南方金融
남방금융
South China Finance
2014年
3期
26~30
,共null页
利率市场化 商业银行 存款定价
利率市場化 商業銀行 存款定價
리솔시장화 상업은행 존관정개
Interest Rate Marketization ; Commercial Bank ; Pricing of Deposit Interest Rate
本文回顾了我国利率市场化改革的历史进程,在总结国内外商业银行存款定价机制的基础上,分析了国内外银行存款定价机制的差异,并提出了一个适应利率市场化政策要求的存款定价模型,用于探讨利率市场化背景下国内商业银行存款定价问题,并在此基础上提出相关政策建议.
本文迴顧瞭我國利率市場化改革的歷史進程,在總結國內外商業銀行存款定價機製的基礎上,分析瞭國內外銀行存款定價機製的差異,併提齣瞭一箇適應利率市場化政策要求的存款定價模型,用于探討利率市場化揹景下國內商業銀行存款定價問題,併在此基礎上提齣相關政策建議.
본문회고료아국리솔시장화개혁적역사진정,재총결국내외상업은행존관정개궤제적기출상,분석료국내외은행존관정개궤제적차이,병제출료일개괄응리솔시장화정책요구적존관정개모형,용우탐토리솔시장화배경하국내상업은행존관정개문제,병재차기출상제출상관정책건의.
This paper reviewes the process of the market-oriented interest rate reform in China,summarizes the domestic and foreign bank deposit pricing mechanism. Besides, the paper also finds the deposit interest rate pricing differences between the domestic and foreign banks, and it establishes the deposit interest rate pricing model for interest rate marketization. At last, the authors give some suggestions for the pricing of commercial bank＇s deposit interest rate.
