农村商业银行存款利率定价管理办法.doc

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1、农村商业银行存款利率定价管理办法山东世纪阳光纸业集团XXXX农村商业银行存款利率定价管理办法1. 目的为建立和完善科学的存款利率定价机制，推进利率市场化进程，实现效益目标，并促进经营机制的转变，增强可持续发展能力，根据商业银行法、中国人民银行人民币利率管理规定等有关法规、政策，制定本办法。2. 适用范围本办法适用于本行内部所有涉及各级机构、部门和员工。3. 术语定义无4. 职责无5. 内容5.1存款利率管理坚持“统一指导、动态调节”的原则。5.2存款利率原则上按照人民银行公布的利率水平执行，根据人民银行有关利率调整规定调整、发布和执行。我行具体参考省联社规定进行制定和执行。由客户部负责存款利率

2、实施和管理日常工作。5.3根据本行实际经营情况，存款利率可以在人民银行规定的人民币存款基准利率的基础上上浮。上浮范围按照人民银行有关规定执行。5.4本行稽核部门定期组织利率执行情况的检查。对违反国家利率政策，擅自提高或降低存款利率标准的，造成不良影响及损失的机构和负责人，视情节轻重，给予一定的经济处罚和行政处分。5.5本办法未作规定，而人民银行有相关规定的，按照人民银行的规定办理。6. 参考文献无7. 储存记录无8. 附录无9. 其它说明9.1 本办法由XXXX农村商业银行股份有限公司负责修订、解释与执行；9.2 此制度自公布之日起生效。结束语！祝大家学到有用的知识，提升自己的能力，实现自己的

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