摘要
本文结合存款利率市场化改革路径,分析了甘肃省地方法人金融机构自2010年发行理财产品以来理财收益率的定价模式和特点,以及与存款利率保持持续价差的原因及趋近关系。在此基础上,提出了推进存款利率市场化,构建市场化定价体系,促进理财市场长远可持续发展的方向和思路。
Combined with the interest rate marketization reform path,the paper analyzes the pricing mode and characteristics of the returns of wealth management products of local corporate financial institutions in Gansu province,and the reasons for its spread of deposit interest rates and the relationship to be close since2010.On this basis,the paper puts forward the direction and idea to advance the deposit interest rate marketization,build a market-oriented pricing system and promote the long-term and sustainable development of the market of wealth management.
作者
许朝阳
聂蕾
任墨香
XU Zhaoyang;NIE Lei;REN Moxiang(Lanzhou Provincial Sub-branch PBC, Lanzhou Gansu 730000)
出处
《西部金融》
2017年第12期64-67,共4页
West China Finance
关键词
存款利率市场化
理财产品定价
关系分析
deposit interest rate marketization
pricing of wealth management product
relationship analysis
