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随着2012年6月8日起央行下调金融机构人民币存贷款基准利率,同时决定,自同日起将金融机构存款利率浮动区间的上限调整为基准利率的1.1倍。这是央行自1993年8月1日实行利率浮动以来,首次规定了存款利率的浮动区间,释放出利率市场化信号明显,意味着央行更倾向于用市场化的手段,让银行有更多的灵活选择和自由空间。目前,多数农村信用社主要是执行省级联社统一制定的存款利率调整政策(或人民银行的基准利率)。因此,面对的存款利率市场化挑战,农村信用社如何做好存款利率定价工作已日趋重要。
With the central bank cut the benchmark interest rate of RMB deposits and loans of financial institutions since June 8, 2012, it also decided that the upper limit of the floating range of deposit interest rates of financial institutions should be adjusted to 1.1 times of the benchmark interest rate from the same date. This is the first time since the central bank imposed a floating interest rate on August 1, 1993, it has stipulated a floating range of deposit interest rates. It is obvious that the market-oriented interest rate signal is released. This means that the central bank prefers to use market-oriented means to allow banks to have more Flexible choice and free space. At present, most rural credit cooperatives mainly implement the deposit interest rate adjustment policy (or the benchmark interest rate of the People’s Bank of China) uniformly formulated by the provincial coalition. Therefore, in the face of the market-oriented deposit interest rate challenge, how rural credit cooperatives to deposit interest rate pricing has become increasingly important.