利率市场化视角下理财产品定价及与存款利率关系的调查与思考——以甘肃省法人机构为例  

The Investigation and Analysis on the Relationship between Pricing of Wealth Management Products and Deposit Interest Rate from the Perspective of Interest Rate Marketization——A Case of Local Corporate Financial Institutions in Gansu Province

作　　者：许朝阳[1] 聂蕾[1] 任墨香[1] XU Zhaoyang;NIE Lei;REN Moxiang(Lanzhou Provincial Sub-branch PBC, Lanzhou Gansu 730000)

机构地区：[1]中国人民银行兰州中心支行,甘肃兰州730000

出　　处：《西部金融》2017年第12期64-67,共4页West China Finance

摘　　要：本文结合存款利率市场化改革路径,分析了甘肃省地方法人金融机构自2010年发行理财产品以来理财收益率的定价模式和特点,以及与存款利率保持持续价差的原因及趋近关系。在此基础上,提出了推进存款利率市场化,构建市场化定价体系,促进理财市场长远可持续发展的方向和思路。Combined with the interest rate marketization reform path,the paper analyzes the pricing mode and characteristics of the returns of wealth management products of local corporate financial institutions in Gansu province,and the reasons for its spread of deposit interest rates and the relationship to be close since2010.On this basis,the paper puts forward the direction and idea to advance the deposit interest rate marketization,build a market-oriented pricing system and promote the long-term and sustainable development of the market of wealth management.

关 键 词：存款利率市场化 理财产品定价 关系分析 

分 类 号：F832.2[经济管理—金融学]