对大额可转让存单问题的一些思考

大额可转让存单作为一种标准的存款工具,起源于美国,并被其他国家作为利率市场化的工具。通过分析大额可转让存单的特点,指出在推进大额可转让存单业务中需要考虑的因素,以及大额存单作为一种存款,与现有存款监管指标的关系。

As a kind of standard deposit facility and originated from US, certificate of deposit was as an interest rate marketization tool by other countries. By analyzing the characteristic of certificate of depos- it, the author pointed out the faetors to be considered during the process of carrying forward the certificate of deposit business, and the relationships with deposit supervisory indicators present as a kind of deposit.