| 理财产品对推进存款利率市场化的影响分析 |
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| 引用本文： | 刘伟厚,徐婧.理财产品对推进存款利率市场化的影响分析[J].济南金融,2013(10):34-37,41. |
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| 作者姓名： | 刘伟厚 徐婧 |
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| 作者单位： | [1]中国人民银行济南分行,山东济南250021 [2]中国人民银行威海市中心支行,山东威海264001 |
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| 摘 要： | 近年来我国理财产品市场发展迅速。在我国存款利率尚未完全市场化的条件下,银行理财产品成为我国利率市场化的重要推动力。本文分析了理财产品在推进存款利率市场化方面的优势和有效性,探讨了理财产品在发现和推动存款利率市场化方面的重要作用,并提出了相关建议。
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| 关 键 词： | 理财产品 利率市场化 影响分析 |
Analysis on Influence of Financial Products in Promoting Liberalization of Deposit Interest Rate |
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| Abstract: | Financial products of commercial banks have experienced rapid development in recent years. As the de- posit interest rate in China has not yet fully market-oriented, financial products have become an important driving force for China＇ s interest rate liberalization. This paper analyzes the advantages and effectiveness of financial products in advancing the deposit interest rate liberalization, investigates the important role of financial products in discovering and promoting the market-oriented deposit interest rate, and try to let the financial products become an effective break- through in promoting the liberalization of deposit interest rate in China. |
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| Keywords: | financial products interest rate liberalization effect analysis |
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