| The full liberalization of the deposit benchmark interest rate is a major process of China's interest rate liberalization reform.Interest rate liberalization has brought great challenges and great opportunities to commercial banks.If commercial banks can do a good job in pricing,they can seize the opportunity in this interest rate reform and win favorable development opportunities.As the price of capital,interest rate needs to be precisely determined.Since the main profit point of small sized rural commercial banks is still the margin between deposit and loan,it is very important job for the deposit and loan pricing.This paper only discusses the deposit pricing.The ABC Rural Commercial Bank,as a rural small financial institutions,the deposit rates has not been researched in-depth.After the deposit interest rate liberalization,the bank recognized the importance of deposit interest rate pricing,however,since the lack of relevant talents,interest rates on deposits still hasn't determined scientifically,just using a "one size fits all" approach,it needs to enhance their deposits interest pricing liabilities urgently.Firstly,this paper analyzes the background environment of interest rate liberalization,introduces key concepts and relevant theories through literature review,and introduces and compares several existing deposit pricing models.Next,the paper introduces the basic situation of ABC Rural Commercial Bank,especially the deposit business,and analyzes the existing deposit pricing model of the bank and the existing deficiencies.On the basis of the above,the existing situation of ABC Rural Commercial Bank was comprehensively elaborated through PEST and SWOT analysis combined with the actual situation,and on the basis of the research,suggestions for optimization of deposit pricing institution setting and model adoption were put forward.This paper is intended to provide opinions and suggestions for the development of ABC Rural Commercial Bank and related industries in China. |
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