利率市场化与商业银行存款战略转型

本文首先探究了利率市场化改革的缘由,然后分析了利率市场化对我国商业银行存款业务的影响,最后提出了商业银行存款业务战略转型对策。研究表明：利率市场化改革有助于提高商业银行存款业务经营管理水平,推动金融产品创新,为商业银行创造公平竞争环境,但也加剧了商业银行间的存款竞争,增大了存款数量的波动性,使商业银行的存款定价能力面临挑战。为此,商业银行必须转变存款经营思路,重视存款保险的作用,创新存款产品,建立合理的存款定价模型。

Liberalization of Interest Rate and Strategic Transformation of Deposit of Commercial Banks

This paper explores the necessity of our interest rate liberalization reform,investigates the likely impact of reform on commercial banks＇ deposit business and gives some suggestions to commercial banks on performing the strategic transformation. We find that the liberalization will likely help improve the management of deposit business,promote the innovation of financial products in commercial banks and create a fair environment for competition among financial institutions. However,it also causes greater competitions,higher elasticity of deposit supply and more importantly,it highlights the problem of deposit list price which is at the core of commercial bank management processes. To handle the impact of interest rate liberalization,commercial banks should change deposit management principles,put emphasis on the deposit insurance, innovate deposit products and set up proper deposit list price models.