基于Pearson模型的政府性资金支出及银行营销策略研究——以陕西省为例  

Research on the Government Expenditure and Bank Marketing Strategy Based on the Pearson Model--Take Shaanxi Province as An Example

作　　者：沈冰 SHEN Bing

机构地区：[1]中国人民银行西安分行

出　　处：《农村金融研究》2020年第4期72-80,共9页Rural Finance Research

摘　　要：作为国家治理的重要基础与支柱的政府性资金,对商业银行而言,具备收益高、资金沉淀量大、相对稳定、风险小等特点,一直以来都是各家商业银行的主攻对象。在当前党和国家机构改革的大背景下,论文结合陕西省地方经济实际,通过对政府性资金市场格局及支出规模结构进行分析,从而明确政府性资金存款的来源分布与吸存渠道,对商业银行政府性资金业务营销拓展具有重要意义,并提出了相关营销策略建议。As an important foundation and pillar of national governance,government funds,for commercial banks,have the characteristics of high returns,large capital deposits,relative stability,and low risks.They have always been the main offensive positions of commercial banks.In the current reform context of the party and state institutions,this paper combines the local economic realities of Shaanxi Province and analyzes the government fund market structure and the expenditure scale and structure to clarify the sourcesand absorption channels of government fund deposits.The conclusion is of great significance for the marketing expansion of the bank's government treasury business,and some relevant marketing strategies are proposed.

关 键 词：政府性资金 财政支出 相关性 Pearson模型 

分 类 号：F812.45[经济管理—财政学] F832.3F274