Study on the Application of LPR in Commercial Bank Deposit Pricing

Cuimeng Ran ； Zijie Shao

《Frontiers in Economics and Management》 3卷11期 (2022/11) Pp. 143-149

https://doi.org/10.6981/FEM.202211_3(11).0017

摘要

Since the introduction of the new LPR mechanism, the country has gradually deregulated interest rates and increased interest rate marketization, which has changed the traditional money market interest rates. The purpose of this project is to analyze the intrinsic mechanism of LPR's influence on commercial banks' deposit interest rate pricing in the interest rate transmission mechanism, why LPR is applied to commercial banks' deposit pricing, and the benefits of LPR for a wide range of customers. Under the reform conditions of the existing national market interest rate, we will construct a model to analyze the impact of LPR on the deposit market interest rate, study and analyze the inner workings of LPR, and propose a better mechanism for the application of LPR to meet the requirements of high-quality development of the financial industry and protect the legitimate rights and interests of customers' deposits under the new situation.

關鍵字

LPR ； Commercial Banks ； Deposit Pricing

參考文獻

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