Research On Pricing And Management Of Deposit And Loans In Inner Mongolia Bank Under Interest Rate Marketization

Our country is speeding up the pace of market-oriented reform of interest rate in recent years. After central bank deregulating the floor on lending rates in early2013, inter-bank negotiable certificate of deposit has been officially launched recently. This shows that our country has entered the essential stage of interest rate completely marketization, and the market-oriented reform of yuan interest rate has been deepened gradually. This reform is bringing a lot of influence and severe risk test to city commercial Banks, including profitability, business development, management policy,etc. This paper detailed the research background and signification of interest rates iberalization, described the process of China’s interest rates iberalization development, and take bank of Inner Mongolia for example, using a combination of standardizing analytical method and empirical analytical method, focused on pricing principle and current situation of small and medium-size banks’s deposits and loans business, that is it can have an some difficulties and problems because of lack of own capital and ability to lure new money. Meanwhile through consulting and analyzing coping experience of western developed country’s banks in the market reform on interest rate, combined with the process of our country’s at present stage, in-depth researched and analysised deposit and loan structure at the present stage impact on interest rate pricing, explored the way of pricing of deposits and loans for bank of Inner Mongolia, and proposed the deposit pricing method in interest rates iberalization transitional period and mature period for bank of Inner Mongolia by typical samples. Price lead pricing, determine the range of loan pring, through customer profitability and comprehensive contribution, determine the final loan pricing management and other effective coping strategies. At the same time, provided management suggestions and feasible measure relevant to business strategy, interest rate risk management, pricing model and closing the macro policy. Offing reasonable logical support for small and medium-size banks.