Design and Empirical Research on Hierarchical Settlement Model of Individual Customers

DOI

10.2991/aebmr.k.210319.074How to use a DOI?

Keywords

Personal deposit, Hierarchical model, Data simulation, Rate

Abstract

Personal deposit has the characteristics of large scale, high stability and low cost. The settlement research of personal deposit is the focus of bank settlement optimization. Through the empirical study, it is found that there is a hierarchical trend in the results of personal deposit in H branch of state-owned bank, which is not obvious in the settlement of personal deposit in G branch of state-owned bank. In the research, by designing a hierarchical model of individual customers, the individual customers are divided into public and private categories, and then settled separately and accumulated, the parameters are adjusted proportionally, and the method of simulation measurement is used to achieve the hierarchical settlement effect of individual customer deposit settlement. The research prove that when there is a high proportion of public settlement among individual customers, the scale of private settlement is insufficient, which will lead to stratification phenomenon; this phenomenon is accompanied by the rise of the scale of private settlement, and the stratification phenomenon gradually weakens; the disorder of private settlement is more important, and if the disorder of private settlement is lost, the stratification phenomenon will gradually appear. The results show that the hierarchical model reveals the high scale of private deposit transaction settlement, which helps to significantly improve the precipitation of low-cost deposits, so as to ensure that the benchmark bank has a significantly lower personal deposit cost rate than the state-owned bank. The relevant simple calculation results are consistent with the empirical scale proportion estimation results.

Copyright

© 2021, the Authors. Published by Atlantis Press.

Open Access

This is an open access article distributed under the CC BY-NC license (http://creativecommons.org/licenses/by-nc/4.0/).

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TY  - CONF
AU  - Pengfei li
PY  - 2021
DA  - 2021/03/22
TI  - Design and Empirical Research on Hierarchical Settlement Model of Individual Customers
BT  - Proceedings of the 6th International Conference on Financial Innovation and Economic Development (ICFIED 2021)
PB  - Atlantis Press
SP  - 397
EP  - 401
SN  - 2352-5428
UR  - https://doi.org/10.2991/aebmr.k.210319.074
DO  - 10.2991/aebmr.k.210319.074
ID  - li2021
ER  -