利率市场化下地方法人金融机构利率定价研究  

The Research on the Deposit Interest Rate Pricing of Local Corporate Financial Institutions under the Interest Rate Marketization

作　　者：陈海燕[1] 王天德[1] 杨凯凯[1] 

机构地区：[1]中国人民银行张掖市中心支行,甘肃张掖734000

出　　处：《西部金融》2015年第12期52-54,共3页West China Finance

摘　　要：随着利率市场化的基本完成,人民币存款利率浮动区间逐步放开,以往无差异的存款价格水平和竞争方式逐渐被打破,处于定价能力最为薄弱的地方法人金融机构存款定价面临考验。本文通过长、短期行为模型分析,从成本和利润两个角度出发尝试建立地方法人金融机构存款定价模型,为地方法人金融机构建立科学的存款定价机制、巩固利率市场化微观基础提供参考。As the establishment of the interest rate marketization, the floating range of the deposit interest rate of RMB has gradually been expanded, the same deposit price level and the competition way have been gradually broken, and the deposit interest rate of the local corporate financial institutions whose pricing power is the weakest are facing challenges.The paper tries to build a deposit pricing model of the local corporate financial institutions fi：om two angles of the cost and profit and through long time and short time modelling to provide a reference for the local corporate financial institutions to construct a scientific deposit pricing mechanism and to consolidate the micro basement of the interest rate marketization.

关 键 词：利率市场化 地方法人金融机构 定价模型 行为分析 

分 类 号：F830.31[经济管理—金融学]