利率市场化背景下存款创新产品发展现状、定价机制和政策建议

Development Status, Pricing Mechanism and Policy recommendations of Deposit Innovation Products under the Background of Interest Rate Liberalization

近年来,商业银行面对存款不断流失的局面,逐步加快存款产品的研究和创新,存款创新产品的品种和规模得到了快速增长。本文介绍了当前我国商业银行存款创新产品发展现状,深入分析存款创新产品定价机制,提出了存款创新产品存在合规性界定难、精细化管理难、调控监管难、统计分析难四个方面的问题,最后从三个维度有针对性地提出相关政策建议。

In recent years, commercial banks have been accelerating the research and innovation of deposit products in the face of the continuous loss of deposits. The variety and scale of deposit innovation products have grown rapidly. This paper introduces the current development status of Chinese commercial bank deposit innovation products, analyzes the pricing mechanism of deposit innovation products, and puts forward the problems such as difficulties in defining compliance, delicacy management, regulation and statistical analysis. Finally, relevant policy recommendations are proposed in a targeted manner from three aspects.