【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。更多还原

【Abstract】 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.更多还原