利率市场化后浙江省地方法人金融机构存款定价问题研究

Deposit Interest Rate Pricing of Zhejiang Small Financial Institutions after Interest Rate Marketization

2015年10月,存款利率浮动上限放开,标志着利率市场化改革迈出了最为关键的一步。利率市场化给予了金融机构定价自主权,但同时也对其定价能力提出了更高的要求。我国金融机构尤其是地方法人金融机构,在定价能力方面较为薄弱。本文分析了94家浙江地方法人金融机构应对利率市场化的承受力,建立了存款利率定价能力评价指标体系综合评估了浙江地方法人金融机构存款定价能力现状,设计了适合地方法人机构的存款利率定价模板,并对完善金融机构存款定价机制、自律协调机制建设和基层人民银行利率管理提出了建议。

Through the interest rate marketization, financial institutions gain more authority to determine their inter-est rates, but also face challenges to improve their pricing ability. Financial institutions in China, small ones in particular,are inferior in deposit interest rate pricing, and have an imminent task to strength their pricing capability. This study inves-tigates 94 small financial institutions in Zhejiang Province to reveal their response to interest rate marketization; constructsa index systemto assess deposit pricing ability of these financial institutions; designs a deposit interest rate pricing exam-ple for small financial institutions; and propose a strategy, which suggests financial institutions, bank association, and cen-tral bank to cooperate to promote improving deposit interest rate pricing.