目前,不断加快的以存贷款利率放开为核心的利率市场化步伐,对银行经营转型提出了迫切要求存贷款利率市场化给商业银行的经营、发展、竞争带来全方位影响存款挂牌利率的差异化态势开始显现,存款竞争升级虽然存款利率上浮空间打开得非常有限,银行自主定价权不大,但各家银行还是根据自己的资金充裕状况、市场地位以及客户结构等,进行了差异化定价。以前不需操心的存款定价开始成为商业银行日常经营所必须跟踪、关注、研究的重要内容。 At present, the accelerating pace of marketization of interest rates with the deposit and loan interest rate liberalization as the core has put forward an urgent demand for the transformation of banking operations. The marketization of the interest rate of deposits and loans has brought a full impact on the operation, development and competition of commercial banks. Differentiation trend began to emerge, deposit escalation Although the deposit interest rate floating space is very limited open, the bank pricing power is not large, but banks are still based on their own capital adequacy, market position and customer structure, etc., conducted a differential pricing . Previously, deposit pricing, which did not need to worry about, began to become an important part of the daily operations of commercial banks that must be followed up, followed and studied.