存款利率市场化背景下商业银行存款定价策略研究

Research of Commercial Banks' Deposit Interest Rate Strategy on the Condition of China's Deposit Interest Rate Marketization

存款利率上限放开后,不同类型的商业银行存款利率浮动差异化趋势凸显,商业银行存款定价策略问题的研究引起广泛关注。本文通过分析2014年11月以来4次存款利率浮动上限调整时点下工商银行、兴业银行、哈尔滨银行以及瑞丰银行4类商业银行存款定价情况,发现利率市场化过程中商业银行存款定价特点并进一步探究其存款定价策略。

With the liberalization of deposit rates, the differentiation trend of different types of commercial bank is obvious and the research of its deposit interest rate strategy causes serious concern. The paper analyses the deposit interest rate of four types commercial banks, industrial and Commercial Bank of China, Industrial Bank, Harbin Bank^Bank of RUIFENG in the four adjustment time from November 2014 so as to find out the deposits pricing characteristics during interest rate marketization and exploring its pricing strategy further.