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2015年10月24日,人民银行放开1年期(含)以内定期存款、活期存款等利率浮动上限,至此人民币存款利率浮动实现完全市场化。为分析利率完全市场化背景下不同银行存款定价现状及影响因素,本文搜集了2015年11月9日当天92家银行六个存款项目的利率挂牌情况,实证分析发现银行存款利率总体上浮幅度分别与自身资产规模、中间业务收入占比、平均净资产收益率、产品和服务的差异水平指标负相关。地方小银行存款利率浮动幅度与其经营所处区域的市场份额负相关。
On October 24, 2015, the People’s Bank of China released the cap on the floating rate of interest rates such as fixed deposits and demand deposits within 1 year (inclusive). As a result, the interest rate of RMB deposits fluctuated to achieve full marketization. In order to analyze the current situation and influencing factors of deposit pricing of different banks in the context of the full marketization of interest rates, this paper collected the interest rate listing of the six deposit items of 92 banks on the day of November 9, 2015. Empirical analysis found that the overall deposit rate of bank deposits was Its own asset size, the proportion of intermediate business revenue, the average return on net assets, products and services, the level of indicators of the negative correlation. The rate of fluctuation in the deposit rates of small local banks is negatively correlated with the market share of the region in which they operate.