关于我国商业银行新定价基准利率选择的思考

The Thinking of Commercial Bank's New Pricing Base Rate Choice

随着利率市场化逐步推进,中国人民银行即将停止发布存贷款基准利率。对我国商业银行而言,需要寻找新的定价基准利率。通过对典型性国家和地区商业银行的定价基准利率进行梳理后看出,不同国家的商业银行定价基准利率选择并不相同,这种选择是综合考虑经济制度体制、商业银行经营环境、资产负债特点、竞争位势等众多因素后做出的,经营环境不同,基准利率选择也就不同,并不存在统一的定价基准利率。因此,我国商业银行应从国内环境和自身实际出发,基于竞争位势、资产负债特点等因素,以FTP为基础,以客户为中心进行综合精细化定价。

With the gradual advancement of interest rate liberalization,the People's Bank of China will soon stop issuing benchmark interest rates for deposits and loans.For commercial banks,find a new pricing benchmark interest rates is urgent.By analysis typical foreign country commercial bank's benchmark interest rates,it can be seen that commercial banks in different developed countries have different pricing benchmarks.The choice is based on a comprehensive consideration of the economic system,commercial banks'operating environment,bank's assets and liabilities characteristics and potential competition.The operating environment is different,and the benchmark interest rate is different,so there is no uniform pricing base rate.Therefore,China's commercial banks should start from the domestic environment and their own reality,based on the competitive potential,the characteristics of assets and liabilities,etc.,based on FTP,carry on customer-focused comprehensive fine pricing.