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自10月24日起,人民银行决定对商业银行和农村合作金融机构等不再设置存款利率浮动上限,这一决定标志着历经20余年的人民币利率市场化进程基本完成,同时也意味着商业银行间真正竞争的开始。在利率市场化环境中,商业银行传统存贷款业务竞争加剧,存款理财化、定期化上扬了银行的资金成本,急需要提高银行利率的自主定价能力。对于从价格管制体制下走出的商业银行来说,应对利率市场化挑战,自主确定产品价格,必须做一系列全面的战略应对,这些准备主要包括:高效的处变应对
Since October 24, the People’s Bank of China has decided to no longer set a floating ceiling on deposit interest rates for commercial banks and rural cooperative financial institutions. This decision marks that the process of marketization of RMB interest rates has been basically completed after more than 20 years and meanwhile commercial banks The beginning of real competition. In the market-based interest rate environment, the traditional deposits and loans of commercial banks have intensified their competition in the business of deposit and loan management. The rationalization of deposit financing and regularity have raised the cost of capital for banks. There is an urgent need to improve the autonomous pricing power of bank interest rates. For commercial banks going out of the price control system, a series of comprehensive strategic measures must be taken in response to the marketization of interest rates and the independent determination of product prices. These preparations mainly include: efficient response to changes