A method for establishing a commercial bank of differentiated interest rates on term deposit

摘要

A method for establishing a commercial bank differentiated interest rates on the time deposit, depending on the amount of the deposit, including the steps of: determining a group of competitors and register banks rates offered by them on time deposits; determining a set of observed characteristics of depositors and form pattern according unobservable depositor characteristics on the observed characteristics of the depositor; form the basis of observed values ​​of the characteristics of potential contributors; determining the content of a finite number of sets of differential rates alleged time deposit, depending on the amount of the deposit; determining a finite number of unobserved characteristics value distribution scenarios for potential investors and generating values ​​unobservable characteristics of each depositor for each scenario using a random number generator and formed previously unobserved depositor models depending on the characteristics of the observed characteristics of the depositor; for each set of differential rates within each scenario, determine the potential investors, who will open a term deposit in the bank; for each set of differentiated interest rates calculated average value of interest costs, based on the values ​​of a set of differential rates, deposit amounts previously defined depositors necessary volume engaging means and other cost of borrowed funds; establish a set of differentiated interest rates on deposits, for which the average value of the interest rate