对国有商业银行存款定价问题的研究

利率市场化改革的重要方面,存款利率的市场化改革正稳步推进,这无疑给各商业银行特别是4大国有商业银行带来巨大的风险和机遇。本文主要就4大国有商业银行利率风险管理的重要组成部分———存款定价管理进行深入分析,探究存款定价的制约因素、原则,并提出以账户管理成本、边际成本、上层目标为基础的存款定价方法。以求增强国有商业银行存款市场化管理能力,为国有银行的真正商业化经营、股份制改造创造条件。

STUDY ON DEPOSIT PRICING OF STATE -OWNED COMMERCIAL BANKS

The market-oriented reform of deposit interest rate,an important component of interest rate reform as a whole,is advancing.It poses both risks and opportunities on the four principal state-owned commercial banks of China.This paper gives a detailed analysis of deposit pricing management,which is an important constituent of bank interest risk management,of these banks,studies the constraints and principles of deposit pricing and proposes the methods of deposit pricing based on account management cost,marginal cost and upper-level objective.