新形势下银行对公存款发展的思路与策略  

Improve the Quality of Deposit Development,Realize the Maximization of its Own Business Strategy and Value

作　　者：李旭东 LI Xudong

机构地区：[1]中国进出口银行,北京市100031

出　　处：《吉林金融研究》2022年第10期10-12,47,共4页Journal of Jilin Financial Research

摘　　要：存款作为银行主要的负债来源,是各家银行业务经营的重要支撑,为信贷投放提供了稳定的资金支持。对公存款作为存款业务中的主体部分,是银行稳健发展的基础。近来,受新冠肺炎疫情、地缘政治冲突等因素影响,我国经济运行面临一定阻力,在利率市场密集实施了一系列调整机制后,将引导银行负债成本下行,维护存款市场良性竞争秩序。在新形势下,银行对公存款在资金成本、增量拓展、产品结构等诸多领域面临挑战,为能够快速应对内外部形势对银行对公存款业务所产生的影响,银行应未雨绸缪,把握市场规律,以服务客户为中心,从创新产品、建立联动考核机制、推动数字化转型等方面发力,提升存款发展质量,实现自身经营战略和价值最大化。As the main source of liabilities for banks,deposits are an important support for the business operations of various banks and provide stable financial support for credit extension.As the main part of the deposit business,corporate deposits are the basis for the steady development of banks.Recently,affected by the epidemic situation of Neocoronal Pneumonia,geopolitical conflicts and other factors,China’s economic operation is facing some resistance.After a series of adjustment mechanisms are intensively implemented in the interest rate market,it will guide the downward trend of bank debt costs and maintain the benign competition order in the deposit market.Under the new situation,bank to corporate deposits are facing challenges in many fields,such as capital cost,incremental expansion,product structure,etc.In order to quickly respond to the impact of internal and external situations on bank to corporate deposits,banks should take precautions,grasp the market rules,focus on serving customers,make efforts in innovating products,establishing linkage assessment mechanisms,promoting digital transformation,etc.

关 键 词：资金成本 产品创新 联动考核 

分 类 号：F830[经济管理—金融学]