An Investigation Of In Fluencing Factors Of Bakes' Deposits Increment With The Marketization Of Interest Rate

With the increasing openness of national economy,the progress of marketization of interest rate in our country,this is one of the important mileage,improve the financial system in China is also the embodiment of the party and the country attaches great importance to financial security,the speeding up of interest rate marketization,beneficial to the safety of our country's economy and financial system,lasting stability to the country's development to have the effect that cannot ignore.In October 2015,China's central bank think of commercial Banks and rural credit cooperatives of these Banks and other institutions do not need to undertake interest rate upper limit constraint,at this point,the reform of interest rate marketization slowly begin to implement in our country.As people's living standard has increased,there are more and more social people's money in the hand,demand for financial services is also rising.Especially during the downturn in the stock market,the increasing demand of deposit business,more and more people like to deposit business as investment way of stable income.For this reason,most of the commercial Banks has been pioneering deposit business,this is also the development of our country interest rate marketization process.But in the context of national environment,let go of interest.rate liberalization,not only makes the commercial bank has a free interest rate pricing power,different forms of deposit innovative products,and rates of different direction change,also make the development of the commercial bank deposit product affected by a certain degree.In the process of interest rate liberalization,the bank deposit interest rate pricing behavior is different from the interest rate control environment,therefore,it is necessary to explore under the background of market-oriented interest rate of bank deposit interest rate pricing factors,so as to provide guidance for the bank deposit pricing reference.In this paper,the main content is as follows:in both at home and abroad are summarized on the basis of the research on the bank deposit interest rate pricing,this paper expounds the current problems in the process of the marketization of interest rate in our country,at the same time,this paper analyses the feature of the bank deposit products and basic characteristics,under the background of market-oriented interest rate analysis problem of deposit business in our country;Second financial background based on the reality in our country,with focus on the analysis of the deposits on a regular basis in the development of our country and the problems of interest rate marketization process under the influence of the deposit interest rate pricing factors,at the same time,using the empirical analysis method,to collect 2014-2016 124 bank deposit interest rate data with the data of commercial Banks information,such as multiple linear regression model is set up at the same time,the analysis under the background of market-oriented interest rate of bank deposit interest rate pricing influence factors,the study found that:big Banks than small and medium-sized Banks pay deposit interest rates are lower,national bank interest rates lower than the local bank to pay deposit account;Deposit interest rate and bank middle business income accounted for,profitability,non-performing loans accounted for more than negative correlation;Local bank deposit interest rate pricing and no significant relationship between market concentration,but negatively related to the market share.Finally,the article put forward under the condition of the interest rate marketization increasingly sophisticated banking deposit pricing mechanism in our country the development of countermeasures.