商业银行公司客户存款拓展策略

Commercial Bank Corporate Customer Deposit Expansion Strategy

商业银行是我国金融体系的重要组成部分,在服务实体经济高质量发展中具有举足轻重的作用。商业银行在持续加大对实体经济信贷支持力度的同时,还需要不断提升自身负债组织能力,有效平衡付息成本,更好地为实体经济输血供氧。本文结合商业银行存款拓展的支撑因素,从产品组合、场景服务等角度,对商业银行公司客户存款拓展提出策略建议。

As an important part of China’s financial system,commercial banks play a pivotal role in serving high-quality development of the real economy.In order to better serve the real economy,commercial banks should enhance the fundraising ability and effectively control the interest payment costs while stepping up credit support for the real economy.Combined with the analysis on the crucial factors influencing deposit expansion of commercial banks,this paper contributes to literature by proposing suggestions for development strategies in corporate customer deposit expansion of commercial banks from the perspectives of product portfolio and service scene construction.