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Research on the Deposit Insurance Pricing Under the Marketing RMB Interest Rate

Author

Listed:
  • Lingyan Sun
  • Tianning Shi
  • Panlu Shi

Abstract

The deposit insurance pricing is the core issue of deposit insurance system, it determines the success or failure of the deposit insurance system in a way. In the current deposit insurance pricing methods, we treat the interest rates as a constant. With the interest rate marketization in China, the deposit insurance pricing methods have also changed accordingly. In this paper, we will give a functional representation of the impact of RMB interest rate marketization on interest rate by fitting the coefficients of the cubic function. Then we will use the data of 2013 to prove it. For the points that do not conform to this rule, we also have some explanations related to the major economic events at that time.

Suggested Citation

  • Lingyan Sun & Tianning Shi & Panlu Shi, 2016. "Research on the Deposit Insurance Pricing Under the Marketing RMB Interest Rate," Applied Finance and Accounting, Redfame publishing, vol. 2(2), pages 86-99, August.
    • Handle: RePEc:rfa:afajnl:v:2:y:2016:i:2:p:86-99
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    More about this item

    Keywords

    marketization; interest rate; shibor; deposit insurance;
    All these keywords.

    JEL classification:

    • R00 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - General - - - General
    • Z0 - Other Special Topics - - General

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