核心存款——商业银行信誉的基石

Core Deposit: Footstone of Credit Standing of Commercial Banks

信誉是商业银行日常经营管理活动的基础,信誉的高低能够在很多方面得到体现,核心存款比率的高低就是一个方面。本文通过一个简单的博弈模型分析了核心存款比率如何作用于商业银行的信誉,以此来增强人们对核心存款及核心存款比率的认识。

Credit is the foundation of daily operation and management in commercial banks. The level of credit can be displayed in many aspects, in which core deposit ratio is one index. However, the bank managers are still unaware of the importance of core deposit and its ratio. In order to enhance the recognition of core deposits and its ratio, this paper shows how core deposit and its ratio affect credit standing in commercial banks through a simple game model.