关于在银行间市场本币交易系统开展同业定期存款业务的探讨

同业定期存款为银行间市场大量开展的业务，但实际操作过程中存在开户手续不统一、重复繁琐开户、交易成本高、存在操作风险、合同签署繁琐等缺点，该文分析指出在银行间市场本币交易系统中开展定期存款业务，既能避免上述诸多缺点，还能提高整个业务操作效率，实现银行间市场同业存款业务帕累托最优。

The interbank time deposits among financial institutions have expanded quickly. However, there are a number of shortcomings in the operation of such businesses, including the non-uniform of account opening process, the repetitiveness and complication in the account opening, high trading cost and operating risks, and the complexity of contract signing. To conduct time deposit businesses in the interbank RMB electronic trading system can get rid of the shortcomings and increase the efficiency of the businesses, realizing Pareto optimality in the interbank time deposit market.