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论文编号：	12012
作者编号：	2320180767
上传时间：	2020/12/9 23:39:28
中文题目：	BHB农商行存款定价优化研究
英文题目：	Research on optimization of deposit pricing in rural commercial bank of BHB
指导老师：	王曼舒
中文关键字：	利率市场化；农商行；存款定价模型
英文关键字：	Interest rate marketization; Agricultural and Commercial bank; Deposit pricing model
中文摘要：	2015年10月24日,中国人民银行对外宣布,对商业银行和农村合作金融机构等不再设置存款利率浮动上限。存款基准利率的全面放开，一方面有利于发挥市场的作用，另一方面也加剧了银行间竞争。如何在这场没有硝烟的战场上获得胜利，一个重要的举措就是商业银行要制定合理的存款定价。存款定价是商业银行经营中最基础也是最重要的因素之一，也是商业银行资产负债的管理环节之一。科学合理的存款定价不仅能够吸收市场上的流动资金，而且能够提升银行的盈利能力。关于存款定价研究，由于国内存款利率市场化发展比较晚，没有对于银行存款定价进行了更早的深入研究，国内对存款定价的研究大都集中在定性研究上，对存款定价模型的研究少之又少，故本文通过分析影响存款定价的因素，从而建立一套行之有效的存款定价模型，这对于国内商业银行在进行存款定价时提供了一定程度上的参考作用。 本文首先介绍了国内外关于存款定价的一些方法，包括成本加成定价法、市场基础定价法、差别利率定价法、RAROC定价模型、组合定价模式的相关概念理论以及国内外关于存款定价的研究现状与发展趋势，以BHB农商行存款定价案例分析为例，通过分析BHB农商行存款现状以及存款定价发展历程以及存款定价的特征，来分析目前BHB农商行存款定价存在的问题。通过分析影响存款定价的因素，借鉴国内外存款定价的模型，建立符合BHB农商行发展的存款定价模型,并针对BHB农商行存款定价存在问题提出一些合理的建议。 本文通过分析BHB农商行在存款定价时存在的一些问题，提出了差异化存款定价模型，即根据客户贡献度进行客户分级，从而针对存款产品提出不同的存款利率。此外，加强对银行存款利率风险把控，建立健全FTP机制，提升管理风险的水平。加强成本控制，减少不必要成本支出。加强线上互联网金融开发进度，以及创新储蓄产品，从而提高银行储蓄产品的竞争力。
英文摘要：	On October 24,2015, the People's Bank of China announced that it would no longer set floating ceilings on deposit interest rates for commercial banks and rural cooperative financial institutions. On the one hand, the opening of deposit benchmark interest rate is beneficial to the market, on the other hand, it also intensifies the competition among banks. How to win in this battlefield without guns, an important measure is that commercial banks to set a reasonable deposit pricing. Deposit pricing is one of the most basic and important factors in the operation of commercial banks, and also one of the management links of assets and liabilities of commercial banks. Scientific and reasonable deposit pricing can not only absorb the liquidity in the market, but also improve the profitability of banks. As for the research on deposit pricing, because the market-oriented development of domestic deposit interest rate is relatively late, there is no earlier in-depth research on bank deposit pricing, and most of the domestic research on deposit pricing focuses on qualitative research, there are few researches on deposit pricing model, so this paper establish a set of effective deposit pricing model by analyzing the factors that affect deposit pricing, this provides a reference for domestic commercial banks when they make deposit pricing. This paper first introduces some methods of deposit pricing at home and abroad, including cost pricing method, market based pricing method, differential interest rate pricing method, RAROC pricing model, portfolio pricing model and related concepts and theories, as well as the research status and development trends of deposit pricing at home and abroad, taking the deposit pricing of BHB Agricultural Bank as an example, this paper analyzes the current situation of the deposit pricing of BHB Agricultural Bank, the development course of the deposit pricing and the characteristics of the deposit pricing, and then analyzes the problems existing in the current deposit pricing of BHB Agricultural Bank. By analyzing the factors that affect deposit pricing and referring to the deposit pricing models at home and abroad, this paper establishes a deposit pricing model that accords with the development of BHB Agricultural Bank of China, and puts forward some reasonable suggestions aiming at the problems existing in the deposit pricing of BHB Agricultural Bank of China. Based on the analysis of some problems existing in the deposit pricing of BHB Agricultural Bank of China, this paper puts forward a differential deposit pricing model, which classifies the customers according to their contribution degree. In addition, to strengthen the bank deposit interest rate risk control, the establishment of a sound FTP mechanism to enhance the level of risk management. Strengthen cost control, reduce unnecessary cost expenditure. Enhance the development of online internet finance, as well as innovative savings products, thereby improving the competitiveness of bank savings products.
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