An Investigation Of Influencing Factors Of M Banks’ Saving Deposits Increment With The Marketization Of Deposit Interest Rate

Deposit interest rate marketization is the last step of interest rate marketization reform in our country is also a key step, will be to the comprehensive influence in recent years business development and administration of commercial Banks. M bank is located, has been opened in June2012the marketization of interest rates on deposits, Banks increasingly competitive. Caused by deposit rates,"deposit" is escalating. A savings account is the line for commercial Banks, is the starting point of the commercial bank personal business, is the origin of commercial Banks’ capital. In the face of the complicated competition situation, M bank savings will produce what kind of change, and how to deal with, is the problem to be solved in this paper.In this paper, taking M bank as the research subject, savings deposit as the research object, in saving theory on the basis of the theory, by using the method of analysis of partial correlation analysis and comparison, the impact of M banksavings deposit interest rate of the market factors are analyzed. Through research, this paper believes that the deposit interest rate marketization, M banksavings deposit and distribution channels of online banking, mobile phonebanking, financial products, products in the national debt, customers in thefinancial assets of customers in the below200000yuan and50-3000000yuancustomers are related, and the correlation is more significant. The deposit interest rate marketization, M bank savings deposit and distribution channels ofmobile phone bank, low ark, bond, fund products and financial products,customers in the financial assets of5-500000yuan,3000000yuan more thanthe customer customer positive correlation, and the correlation is significant.Through the analysis of this paper found that changes before and after thevarious influence factors of M bank savings deposit interest rate in the market,and a comparative analysis, and then analyzes the reasons for the changes, and find the problems from three aspects, on the basis of distribution channels and customer structure and product sales proposed solutions. The thesis consists of five chapters:the research content of this paper has fivechapters:the first chapter is the introduction, mainly from the research background and significance, literature review at home and abroad, the research mentality and the frame of the subject, four aspects of innovation are described;the second chapter is the savings deposit related theory basis; the third chapter is the M analysis of bank savings deposits of the status quo, first the status of Mbank savings deposits are analyzed, followed by conditions of the deposit interest rate marketization is summarized. The fourth chapter is the factors of M banksavings deposit effect of partial correlation analysis and results, first of all, using partial correlation analysis method, from three aspects of distribution channels and customer structure and product structure analysis on Influencing Factors of M bank savings deposits, then to the market interest rate deposits after the change of factors are analyzed, and explore its the existing problems; the fifth chapter is countermeasures and suggestions. According to the theoretical and empirical analysis, and put forward feasible scheme and measures from the threeaspects of distribution channels and customer structure and product sales. The sixth chapter is the conclusion and prospect.