受利率市场化、互联网金融兴起等因素影响,客户资金理财化加快,资金价格抬升,商业银行核心存款增长乏力。从国外经验和我国实际情况看,利率市场化过程中,存款之外的负债比例将有所增加,但存款仍是未来商业银行负债的主要来源之一。建议,商业银行应树立“大负债”管理理念,加快负债结构转型;加快发展模式转型,调整经营战略;实施标准化与差异化相结合的定价管理;做好客户差别化管理与产品创新;做好银行业务大数据应用,积极应对新兴业态冲击。 Affected by the marketization of interest rates and the rise of Internet finance, the financing of customer funds was accelerated, the capital prices were up, and the growth of core deposits in commercial banks was sluggish. From the experience of other countries and the reality of our country, in the process of marketization of interest rates, the proportion of liabilities other than deposits will increase. However, deposits are still one of the major sources of liabilities of commercial banks in the future. It is suggested that commercial banks should establish a “big debt” management philosophy to accelerate the restructuring of the liability structure; speed up the transformation of the development mode and adjust the business strategy; implement the pricing management combining standardization with differentiation; do differentiated management of customers and product innovation; We will make good use of big data in banking business and actively respond to emerging business impact.