中国银行业存款产品设计存在的问题与改进建议

The Problems and Improvement Suggestions of Deposit Product Design in Chinese Banking

设计科学合理的存款产品是增强银行竞争力的重要措施。当前我国存在的存款产品种类少问题既与严格的金融监管有关,更与存款产品设计机制有关。本文在简要介绍美国银行业存款产品设计特点和分析我国银行业存款产品设计存在的主要问题的基础上,提出以下改进存款产品设计的建议:加快利率市场化改革,提高银行经营自主权;增加产品构成要素,平衡双方的权利与义务;区分资金交易和银行服务,改进存款定价方式;增加产品种类,提高客户的可选择性;改变过度平均化的产品设计思想,注重对市场进行细分。

Scientifically and rationally designing deposit products is a key method for banks to improve competitiveness. The problem of scare types of deposit products associates with not only strict financial supervision but also the design mecha- nism of deposit products. On the basis of briefing the features of deposit products in American banking and the main prob- lems existing in Chinese banking＇s deposit product design, the paper proposes the following suggestions： （l） quickening the reform of interest rate liberalization to enhance bank＇s autonomous operation; （2） adding product elements to balance the rights and obligations between depositors and banks; （3）differentiating transaction of funds from bank＇s service to improve the deposit pricing approache; （4）enriching product catalogues to provide more choices for clients; （5） changing the designing notion that lacks differentiation to pay more attention to market segmentation.