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《金融世界》:2015年10月23日,央行宣布不再对商业银行和农村合作金融机构等设置存款利率浮动上限,并抓紧完善利率市场化形成和调控机制,这被视为国内银行利率市场化的收官之举。在拥有自主定价权之后,商业银行存款利率基本仍处上浮态势,分化并不明显,对此您如何看?席波:现在确实存在这样的情况,虽然利率放开了,但各家银行没有建立自己的定价体系,对于资金成本心里没底,大家不知道怎么定价,采取的都是被动定价,即看看其他行怎么定,跟着走。在缺少信息的时候,极易恐慌,唯恐价格定得低了存款被拉跑,所以只好
“Financial World”: On October 23, 2015, the Central Bank announced that it will no longer set a floating ceiling on deposit interest rates for commercial banks and rural cooperative financial institutions, and pay close attention to improving the formation and control mechanism of interest rate market. This is regarded as the domestic bank interest rate market The final result of the move. After we have our own pricing power, the deposit interest rate of commercial banks is still basically on the upward trend and the differentiation is not obvious. How do you think about it? Mr. Bo: Now there really is such a situation. Although interest rates have been liberalized, banks have not established Own pricing system, the heart of the cost of funds did not end, we do not know how to price, take a passive pricing, take a look at other lines how to set, follow. In the absence of information, very easy to panic, lest the price is set low deposit was run away, so had