摘要
随着我国利率市场化进程的不断推进,同业存款已经实现了市场化定价。为了适应利率市场化的形势,进一步巩固客户关系,并为银行业务发展提供低成本的资金来源,需要积极研究完善同业存款定价方法。本文借鉴西方商业银行在存贷款等产品定价方面的研究,结合当前商业银行金融同业业务的具体情况,设计了基于客户综合贡献和银行目标利润的同业存款定价模型,并对此方法做进一步的讨论,提出要将定量分析与定性分析相结合,完善客户关系管理(CRM)系统,结合不同行业同业客户特点提高该模型适用性等建议。
Along with the progress of interest rate marketization in China, the market-oriented pricing of due to banks has been put into practice. To adapt to the change brought by interest rate marketization, to further cement customer relationship and to provide low-cost funds for bank＇s business growth, the study on improving the pricing method of due to banks is highly needed. Drawing reference from western commercial banks in pricing for deposit and loan products and combing with the particular condition of Chinese inter-bank business, the paper designs a pricing model for due to banks based on composite contribution of customers and bank＇s profit goal. Furthermore, the paper puts forward that in the pro- cess of using this model, quantitative analysis and qualitative analysis should be combined, the customer relationship management （CRM） system should be enhanced and the applicability of the model remains to be further improved in combination with the characteristics of different bank customers.
出处
《金融论坛》
CSSCI
北大核心
2010年第6期11-16,共6页
Finance Forum
关键词
利率市场化
商业银行
同业存款
存款定价
interest rate marketization
commercial bank
due to banks
deposit pricing
