摘要
存款业务是商业银行的主要业务之一,据统计,我国商业银行吸收的存款占银行全部资金来源的80%左右.而影响存款的最直接也最重要的因素便是存款利率.文章基于利率市场化的大背景,通过收集2000~2015年存款利率及其影响因素的数据,运用Eviews软件,进一步对商业银行存款利率的影响因素进行实证分析,并根据分析结果,对新形势下的商业银行经营提出建议.
Deposit business is one of the main businesses of commercial Banks,according to statistics,in China,deposits absorbed by commercial banks account for about 80 percent of the bank's total funding. It can be said that deposit is the foundation for the survival and development of commercial banks and a great indicator of their competitiveness. However,deposits interest rate is the most direct and important factor that affects deposit. Based on the background of interest rate liberalization,by collecting data on deposits interest rate and the factors between2000 and 2015,using Eviews to further analyze the influence factors of commercial bank deposit rate,and based on the analysis results,put forward some suggestions on the operation of commercial banks in the new situation.
作者
王演
WANG Yah(Faculty of Finance, Anhui University of Finance and Economics, Bengbu 23300)
出处
《阴山学刊(自然科学版)》
2018年第3期130-134,共5页
Yinshan Academic Journal(Natural Science Edition)
关键词
商业银行
存款利率
利率市场化
实证分析
Commercial bank
Deposit interest rate
Interest rate liberalization
The empirical analysis