| This paper focuses on the changes of the deposit structure of Chinese commercial banks, and discusses its influence on the operating benefit both in theory and practice. It analyses the actuality, characteristic, changing tendency and reasons of the deposit structure of Chinese commercial banks, and analyses the transfer process from the change of deposit structure to the operating benefit.Meanwhile, based on the step-by-step market-oriented interest rate and the forthcoming full-scale opening of banking industry to the outside world, this paper puts forward that Chinese commercial banks should pay close attention to the change of deposit structure, and improve the management ability of both assets and liabilities. |
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