[1]范亚舟.关于我国商业银行新定价基准利率选择的思考[J].金融教育研究,2018,(02):10-13.
　FAN Yazhou.The Thinking of Commercial Bank's New Pricing Base Rate Choice[J].,2018,(02):10-13.
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关于我国商业银行新定价基准利率选择的思考()
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《金融教育研究》[ISSN:1006-6977/CN:61-1281/TN]

卷:
期数:
2018年02期
页码:
10-13
栏目:
金融理论探讨
出版日期:
2018-04-20

文章信息/Info

Title:
The Thinking of Commercial Bank's New Pricing Base Rate Choice
文章编号:
2095-0098(2018)02-0010-04
作者:
范亚舟
中国邮政储蓄银行博士后科研工作站; 中国人民大学博士后科研流动站,北京 100808
Author(s):
FAN Yazhou
Postdoctoral Research Station of Postal Savings Bank of China; Postdoctoral Research Station of Renmin University of China,Beijing 100808,China
关键词:
利率市场化;  精准定价;  基准利率;  商业银行;  利率体系;  贷款基础利率
Keywords:
interest rate liberalization;  precision pricing;  benchmark interest rate;  commercial bank;  interest rate system;  loan base rate
分类号:
F830.33
文献标志码:
A
摘要:
随着利率市场化逐步推进,中国人民银行即将停止发布存贷款基准利率。对我国商业银行而言,需要寻找新的定价基准利率。通过对典型性国家和地区商业银行的定价基准利率进行梳理后看出,不同国家的商业银行定价基准利率选择并不相同,这种选择是综合考虑经济制度体制、商业银行经营环境、资产负债特点、竞争位势等众多因素后做出的,经营环境不同,基准利率选择也就不同,并不存在统一的定价基准利率。因此,我国商业银行应从国内环境和自身实际出发,基于竞争位势、资产负债特点等因素,以FTP为基础,以客户为中心进行综合精细化定价。
Abstract:
With the gradual advancement of interest rate liberalization,the People's Bank of China will soon stop issuing benchmark interest rates for deposits and loans.For commercial banks,find a new pricing benchmark interest rates is urgent.By analysis typical foreign country commercial bank's benchmark interest rates,it can be seen that commercial banks in different developed countries have different pricing benchmarks.The choice is based on a comprehensive consideration of the economic system,commercial banks' operating environment,bank's assets and liabilities characteristics and potential competition.The operating environment is different,and the benchmark interest rate is different,so there is no uniform pricing base rate.Therefore,China's commercial banks should start from the domestic environment and their own reality,based on the competitive potential,the characteristics of assets and liabilities,etc.,based on FTP,carry on customer-focused comprehensive fine pricing.

参考文献/References:

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备注/Memo

备注/Memo:
收稿日期:2017-11-25
基金项目:国家自然科学基金青年项目“农地经营权抵押试点下金融机构决策行为及信贷合约设计优化研究”(71703155)
作者简介:范亚舟(1985-),男,河南登封人,经济学博士,研究方向为货币政策调控、利率。
更新日期/Last Update: 2018-04-20