存款利率市场化背景下M银行储蓄存款影响因素研究
发布时间：2018-12-13 16:50
【摘要】：存款利率市场化是我国利率市场化改革的最后一步也是关键一步,将在近年内全面深入影响商业银行经营与业务发展。M银行所在地市己于2012年6月开启了存款利率市场化帷幕,银行同业竞争日益激烈。因存款利率放开,而引起的“存款大战”也越演越烈。储蓄存款是商业银行的立行之本,是商业银行个人业务的起点,是商业银行资金的源头。面对激烈复杂的竞争形势,影响M银行储蓄的因素将发生什么样的变化,M银行又该如何应对,是本文要解决的问题。 本文以M银行为研究主体,以储蓄存款为研究对象,在储蓄理论理论基础上,运用偏相关分析及对比分析的方法,对存款利率市场化前后M银行储蓄存款的影响因素进行了分析。通过研究,本文认为存款利率市场化前,M银行储蓄存款与分销渠道中的网上银行、手机银行,产品中的理财产品、国债,客户中的金融资产在20万元以下客户及50-300万元的客户正相关,且相关性较为显著。存款利率市场化后,M银行储蓄存款与分销渠道中的手机银行、低柜,产品中的国债、基金以及理财产品,客户中的金融资产5-50万元客户以及300万元以上客户呈正相关关系,且相关性较为显著。通过分析本文发现了影响M银行储蓄存款的各项因素在存款利率市场化前后的变化,并进行了比较分析,进而分析产生变化的原因,发现其中问题,在此基础上从分销渠道、客户结构及产品销售三方面提出解决方案。 论文共分为五个章：本文的研究内容总共有五章：第一章为绪论,主要从课题的研究背景及意义,国内国外文献综述,课题的研究思路与框架,研究创新四个方面进行说明；第二章为储蓄存款相关理论基础；第三章为M银行储蓄存款现状分析,首先对M银行储蓄存款的现状进行分析,其后对当地存款利率市场化的现状进行了总结归纳。第四章为M银行储蓄存款影响因素偏相关分析及结果,首先运用偏相关分析方法,从分销渠道、客户结构及产品结构三方面对影响M银行储蓄存款的因素进行了分析,其后对存款利率市场化后影响因素的变化进行了对比分析,并探索其中存在的问题；第五章为对策与建议。根据理论及实证分析结果,从分销渠道、客户结构及产品销售三方面提出可行方案及措施。第六章为结论与展望。
[Abstract]:The marketization of deposit interest rates is the last and key step in the reform of interest rate marketization in China. In recent years, it will affect the management and development of commercial banks thoroughly. M bank has already opened the curtain of deposit interest rate marketization in June 2012, and the competition among banks is becoming more and more fierce. Due to the liberalisation of deposit interest rates, and the resulting "deposit war" is also more and more intense. Savings deposit is the foundation of commercial bank, the starting point of commercial bank's personal business and the source of commercial bank's capital. In the face of fierce and complicated competition, what kind of changes will take place in the factors that affect the deposit of M Bank, and how M Bank should deal with, is the problem to be solved in this paper. This paper takes M Bank as the main body of study, taking savings deposits as the research object, on the basis of savings theory, using the method of partial correlation analysis and comparative analysis. This paper analyzes the influencing factors of savings deposit in M bank before and after the marketization of deposit interest rate. Through the research, this article thinks that before the deposit interest rate marketization, M bank savings deposit and distribution channel in the online bank, the mobile phone bank, the product financial management product, the national debt, The financial assets below 200000 yuan and 50-3 million customers are positively correlated, and the correlation is significant. After the marketization of deposit interest rates, M Bank savings deposits and distribution channels in mobile banking, low cabinets, products in national debt, funds and financial products, There is a positive correlation between the financial assets of 5 to 500, 000 RMB customers and more than 3 million RMB customers, and the correlation is significant. This paper finds out the change of the factors that affect the deposit in M bank before and after the marketization of deposit interest rate, and makes a comparative analysis, and then analyzes the causes of the changes, finds out the problems, and on this basis, from the distribution channel. Customer structure and product sales three aspects of the solution. The thesis is divided into five chapters: the first chapter is the introduction, mainly from the research background and significance, domestic and foreign literature review, research ideas and framework of the subject, research innovation four aspects to explain; The second chapter is the theoretical basis of savings deposits; the third chapter is the analysis of the current situation of savings deposits in M Bank, first of all, the current situation of savings deposits in M Bank is analyzed, and then the current situation of marketization of local deposit interest rates is summarized. The fourth chapter is the partial correlation analysis and results of the influencing factors of M bank savings deposits. Firstly, using the method of partial correlation analysis, this paper analyzes the factors affecting M bank savings deposits from three aspects: distribution channel, customer structure and product structure. After that, the author makes a comparative analysis of the changes of the influencing factors after the marketization of deposit interest rate, and explores the existing problems. The fifth chapter is the countermeasure and suggestion. According to the results of theoretical and empirical analysis, this paper puts forward feasible plans and measures from three aspects of distribution channel, customer structure and product sales. Chapter six is the conclusion and prospect.
【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2
本文编号：2376861
[Abstract]:The marketization of deposit interest rates is the last and key step in the reform of interest rate marketization in China. In recent years, it will affect the management and development of commercial banks thoroughly. M bank has already opened the curtain of deposit interest rate marketization in June 2012, and the competition among banks is becoming more and more fierce. Due to the liberalisation of deposit interest rates, and the resulting "deposit war" is also more and more intense. Savings deposit is the foundation of commercial bank, the starting point of commercial bank's personal business and the source of commercial bank's capital. In the face of fierce and complicated competition, what kind of changes will take place in the factors that affect the deposit of M Bank, and how M Bank should deal with, is the problem to be solved in this paper. This paper takes M Bank as the main body of study, taking savings deposits as the research object, on the basis of savings theory, using the method of partial correlation analysis and comparative analysis. This paper analyzes the influencing factors of savings deposit in M bank before and after the marketization of deposit interest rate. Through the research, this article thinks that before the deposit interest rate marketization, M bank savings deposit and distribution channel in the online bank, the mobile phone bank, the product financial management product, the national debt, The financial assets below 200000 yuan and 50-3 million customers are positively correlated, and the correlation is significant. After the marketization of deposit interest rates, M Bank savings deposits and distribution channels in mobile banking, low cabinets, products in national debt, funds and financial products, There is a positive correlation between the financial assets of 5 to 500, 000 RMB customers and more than 3 million RMB customers, and the correlation is significant. This paper finds out the change of the factors that affect the deposit in M bank before and after the marketization of deposit interest rate, and makes a comparative analysis, and then analyzes the causes of the changes, finds out the problems, and on this basis, from the distribution channel. Customer structure and product sales three aspects of the solution. The thesis is divided into five chapters: the first chapter is the introduction, mainly from the research background and significance, domestic and foreign literature review, research ideas and framework of the subject, research innovation four aspects to explain; The second chapter is the theoretical basis of savings deposits; the third chapter is the analysis of the current situation of savings deposits in M Bank, first of all, the current situation of savings deposits in M Bank is analyzed, and then the current situation of marketization of local deposit interest rates is summarized. The fourth chapter is the partial correlation analysis and results of the influencing factors of M bank savings deposits. Firstly, using the method of partial correlation analysis, this paper analyzes the factors affecting M bank savings deposits from three aspects: distribution channel, customer structure and product structure. After that, the author makes a comparative analysis of the changes of the influencing factors after the marketization of deposit interest rate, and explores the existing problems. The fifth chapter is the countermeasure and suggestion. According to the results of theoretical and empirical analysis, this paper puts forward feasible plans and measures from three aspects of distribution channel, customer structure and product sales. Chapter six is the conclusion and prospect.
【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2
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