影响我国商业银行储蓄量的因素分析

中文摘要与关键词··············································Ⅰ

一、影响银行储蓄量因素的文献综述······························3

二、影响我国商业银行储蓄量的主要因素分析······················4

存贷款利率调整·········································5

股市涨跌对储蓄量的影响·································5

银行理财产品的推出·····································6

黄金业务···············································7

账户黄金···············································7

实物黄金···············································7

债券型基金·············································7

利率风险···············································7

流动性风险·············································7

信用风险···············································7

三、我国商业银行增加储蓄量的对策······························8

加快银行吸收储蓄的力度·································8

利用产品优势，使理财产品成为银行存款···················8

关注三方存管客户·······································9

鼓励对公客户使用网银代发工资···························9

促使客户购买银行理财产品·······························9

客户承担利率风险——加息后理财产品优势不明显···········9

银行承担利率风险——降息周期一年以上理财产品供不应求···9

参考文献

内 容 摘 要

[摘要] 随着近年来经济形势不断变化以及存贷款利率的多次调整，让人们不再认为储蓄是增加自己资金收入的最好途径。现今是信息高速发展的时期，随着人们理财观念的不断增强，每个人都会选择适合自己的投资渠道，并且基于各种信息的收集人们会将自己的投资收益和银行的存款收益进行比较，来确定是投资理财产品还是直接进行银行储蓄。这样，对银行的储蓄量就必然造成一定的影响。所以，银行要根据针现在的实际情况来适时的推出自己的理财产品及办理特色业务来吸引客户并重新吸收存款。本文从一些公认的储蓄理论开始分析，并结合实际调查，说明了哪些是影响银行储蓄量的因素，给出了银行在现阶段应采取何种措施来尽量吸收存款，从而提高商业银行储蓄量。

[关键词] 银行；储蓄因素；增加储蓄量；对策