Analysis Of The Differentiation Strategy Of Commercial Bank Deposit Pricing

On October 24,2015,the people's bank of China canceled the deposit interest rate floating constraints for commercial Banks and rural cooperative financial institutions.Deposit interest rate marketization has a favorable external environment.It also means the process of interest rate marketization has ended.After a long time development,Chinese commercial Banks get ability to make price of their own.Different commercial Banks have different market strategies and orientations,their pricing ability and strategy on deposits also has the very big difference.Commercial banks' deposit pricing ability and strategy must be based on their own actual,suitable development,but also need to adapt to the external environment of interest rate marketization.Making reasonable deposits price is particularly important for Commercial banks.We should deeply analysis the reasons and the differentiation in the process of price making,aiming at the problems and puts forward relevant solving measures,to improve bank's deposit pricing ability,to ensure the optimal allocation of financial assets.By this way,we can also improve efficiency of deposit money in the bank,and it can also effectively exert the market function.In this paper,the author use the comparative analysis method,choosing the Industrial and commercial bank of China,Industrial Bank,Bank of Qingdao and Rural commercial bank of Qingdao as examples.This paper analyzes four different types of commercial Banks(large national commercial banks,joint-stock banks,city banks and rural bank)different price strategy,during four time administration policy adjustments since November 2014.Then,in view of the four types of banks,the anthor come out with rational proposal on deposits pricing strategy.