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财务公司在我国金融机构中是一类十分特殊的群体,是以加强企业集团资金集中管理和提高企业资金使用效率为目的,为企业集团成员单位提供金融服务的非银行金融机构,是所属企业集团的内部银行。目前我国财务公司行业主要从事对集团成员单位的存贷款业务,可以说,吸收存款业务是财务公司的发展基石和主要资金来源,吸收存款的定价是否合理、管理机制是否健全对财务公司经营发展将产生深远影响。在我国利率市场化改革逐步深入的当下,吸收存款定价管理的优化和完善对于财务公司来说迫在眉睫。本文从财务公司吸收存款的差异化定价管理入手,旨在对未来财务公司吸收存款定价管理提出了具体的应对策略。
Financial corporations are a very special group of financial institutions in our country. They are non-bank financial institutions that provide financial services to members of enterprise groups for the purpose of strengthening the centralized management of capital of enterprises and improving the efficiency of capital utilization. The internal bank. At present, the finance company in our country is mainly engaged in the deposit and loan business of the members of the group. It can be said that the deposit-taking business is the cornerstone of the financial company’s development and the main source of funds. Whether the pricing of deposits is reasonable and the management mechanism is sound, have profound impact. Nowadays, with the gradual deepening of the market-based interest rate reform in our country, the optimization and improvement of deposit-taking pricing management is urgent for financial companies. This article starts with the differential pricing management of deposit taking by financial companies, aiming at putting forward specific countermeasures for the future financial companies to absorb the deposit pricing management.