利率市场化对商业银行理财产品定价的影响和对策

Influence of the Marketization of Interest Rate on the Pricing of Finance Products in Commercial Bank and the Countermeasures

利率市场化已经成为社会发展必然的趋势,从我国利率市场化的发展现状以及商业银行理财产品的发展现状出发,深入分析利率市场化与商业银行理财的关系,然后基于此系统分析利率市场化对商业理财产品定价的影响。可以发现:贷款利率市场化和存款利率市场化对理财产品的定价影响具有区别性,利率的市场化有利于提高理财产品定价的层次性和差异性。

The marketization of interest rate has become an inevitable trend. This article, starting from the marketization of interest rate in China and the development of finance products in commercial banks, analyses the relationship between the marketization of interest rate and financial service in commercial bank and the influence of marketization of interest rate on finance products pncmg based on this system. The results reveal that marketization of loan interest rate and markeuzation of deposite in-terest rate have differences in finance products pricing, and the marketization benefits to enhance the hierarchies and variations of the finance products.