Analysis On The Deposit List Price Problem Of Our Commercial Bank Under The Interest Rate Marketability Reform

From 1995 the people's Bank of China about 95 Time Deepening Interest rate Reform Plan proposed initially basic thoughts of interest rate marketability reform, to open up inter bank interest rate in 2005, our country's interest rate marketability reform advancement has carried on the entire 10 years and the interest rate marketability reform has obtained progressed greatly. According to the need of developing our country economical finance and opening the monetary market to outside after joining WTO, the People's Bank defers to the foreign currency, the standard currency, first loans, the deposit after, the deposit first the large quantity long-term jot short-term basic step, will establish gradually by the market supply and demand decided the financial organ, the loan interest rate level interest rate and it will enable the market mechanism to display the leading role in the financial resources disposition. In 2006,the People's Bank will implicated the basis interest rate term file time of loan, push forward The long-term big sum deposit rate market turn. Current, the condition of deposit rate marketability has already maturity. The deposit is the basic of banking, the deposit list price problem is one of the decisive technique within the commercial bank management processes, the matter closes the safety, liquidity and earnings of the commercial bank, having the important meaning.1. Study ObjectiveThe main goal of this article is to study the list price target, principle, and influence factors of the commercial bank deposit, put forward the deposit list price model in keeping with our country state of the nation, and build the list price system, and provided the maneuverability project of the deposit list price of the commercial bank.2. Main ContentsThis text is through the angle of the finance management, discuss the commercial bank deposit list price problem. Through comparing the different characteristics between the commercial bank and the general production business enterprise, and their product, study the list price target, principle, and influence factors of the commercial bank deposit .And at the same time, draw lessons from the western commercial bank deposit list price mode ,through the present condition analysis of the influence of the Interest rate Reform to the list price, put forward the deposit list price model in keeping with our country state of the nation, and build the list price system, and provided the maneuverability project of the deposit list price of the commercial bank.3. Main ContributionThe research that our country deposits the list price to the commercial bank is very few,This text is have a foothold in product list price theories within the finance management,From thus a newer angle thinking deposit list price model,Mainly have following two mainly contribute:(1) Take producing business enterprise's product list price theories generally as the foundation, deep analyzed the commercial bank deposit the target, principle and influence factor of the list price . There are many differences between the commercial bank and the general production business enterprise, which of these make study the deposit list price, the principle and the influence factors seem to be very important and necessary, provided the theories foundation for the design of the model.(2)Design the deposit list price model from the angle of the finance management, adopt"cost- quantity- benefit"analysis method within the finance management, analyze the dispersion of the change of the aspects of deposit cost, income, profits, Design to deposit the list price model with the thought of" profit and loss balance point", Pour to push to compute the deposit rate, join the loan produce, the cost into the model, increased the maneuverability of the model.