存款成本是商业银行在组织吸收居民及企事业单位存款过程中所投入的人力、物力、财力等资源的总称,它主要由存款的利息成本、网点成本、业务成本、管理成本及风险损失成本等构成。正确理解并科学管理存款成本,以最小的投入取得最大的乃至多层次、全方位、综合性的经营效益、使之有积极性的扩散效果与延伸效应,是我们在当前经济形势下和竞争环境中亟需认真思考和对待的重要课题。一、银行存款成本变动的影响因素及基本 The cost of deposit is a general term for resources invested by commercial banks in absorbing deposits of residents, enterprises and institutions. It is mainly composed of the interest cost of deposit, the cost of outlets, the cost of business, the cost of management and the cost of risk loss constitute. Correct understanding and scientific management of deposit costs, with the minimum investment to achieve the largest and even multi-level, all-round, comprehensive operating efficiency, so that the positive effect of the proliferation and extension, we are in the current economic situation and competitive environment Urgent need to seriously consider and treat important issues. First, the impact of changes in bank deposit costs and basic factors