摘要
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。
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.
出处
《南方金融》
北大核心
2014年第3期26-30,共5页
South China Finance
关键词
利率市场化
商业银行
存款定价
Interest Rate Marketization
Commercial Bank
Pricing of Deposit Interest Rate
