Research On Financial Products' Intelligent Pricing Of Chinese Commercial Banks

With the development of economy, the demand of financial management and the marketization ofinterest rate and the process of financial disintermediation are becoming more and more important. Commercial banks are the key point for commercial banks to seek transformation. After more than ten years of development, China's banking business, whether it is the size or operating mode have been developed by leaps and bounds in China's asset management system has a pivotal position for the development of the real economy and the management of the wealth of residents has a positive meaning. However, in the current stage, there are extensive management methods, serious homogeneity of products and services, too much dependence on traditional business. And in the context of increasingly stringent regulatory policies, declining returns on assets, increased competition in the industry, and the rapid rise of Internet finance, the bank's wealth management business is also facing an increasing external environmental impact. How to break the financial business in the environment of internal and external difficulties, is placed in front of a number of commercial banks a problem. This stimulated our interest in research:China's economy is entering the transition and upgrading of the barrier, then the bank's wealth management business and how to achieve transformation and upgrading it? In view of the current lack of product pricing and risk control ability of commercial banks in China, this article will focus on the pricing mechanism and risk prevention mechanism of bank financial products. Based on the existing research, this paper constructs a scientific and rational pricing model of financial products intelligent pricing, And in view of the characteristics of rapid change of external environment and the requirements of regulatory policy to design a virtual asset pool under the model of dynamic adjustment of financial product pricing mechanism. In addition, combining the current regulatory policies, the characteristics of external environment and the characteristics of the banking business itself, the risk early warning model of financial products is established, and the risk prevention strategy of banking financial business is put forward.In the first part, the background of the research, including the development process, development motivation, development summary and development issues, is summarized. Then, the research questions and research significance of this paper are put forward, and the present research situation at home and abroad is sorted out and analyzed. The research contents, methods and technical routes of this paper are expounded. Secondly, the basic theory of this paper is expounded. Thirdly, using the relevant data of Wind database to further explore the factors that affect the pricing of financial products, and on the basis of the individual financial perspective and overall financial perspective, overview the respective effects on financial product pricing factors systematically. Fourthly, based on the perspective of individual financial products and overall financial products, this paper discusses the problem of intelligent pricing of financial products from two aspects:the financing side of the debt side and asset pricing. And based on the analysis of some important parameters abstracted from the game, using the market-based pricing and cost-plus method to determine the smart pricing range of financial products, and as the basis of the algorithm, to build a smart financial products integrated pricing model. Fifthly, on the basis of the theoretical elaboration of one-to-one financial assets pool model, this paper aims at the challenge of realizing the one-to-one correspondence between the two ends of the model ("pool" and "pool" Respectively, the design of asset pool rate of return of intelligent adjustment mechanism and adjust the operating mechanism of product price intelligence. Sixthly, referring to China's relevant regulatory policies and Basel agreement to build a comprehensive risk management system framework, and combined with the author's actual work experience and expert survey results,this papersummary the various types of risk that the bank financial products may facing.Then on this basis Constructing the Risk Early Warning Mechanism and prevention systemof the Bank's Financial Products. The following conclusions are drawn from the theoretical, practical and methodological aspects:(1) Theoretical level:On the basis of the pricing game analysis, this paper constructs the intelligent pricing model of bank financial products. In view of the two ends of the one-to-one virtual assets pool model ("pool" and "pool" In the realization of one-to-one challenges encountered, respectively, the design of the pool of assets to adjust the rate of return of intelligent operation mechanism and the price adjustment mechanism of intelligent operation.(2) the practical level:the construction of the risk management system of financial products with guidance and a certain degree of maneuverability; proposed risk management strategy for financial products has some reference value.(3) Methodological level:This paper uses the method of literature study, multi-method fusion, qualitative research, model method, mathematical analysis and field investigation, and so on, and completes the systematic research work for the follow-up research. A new perspective and methodological basis.Duing to the limitations of the objective conditions in the research process, the integrated structure model of bank financial products intelligent pricing, the intelligent adjustment of operation mechanism of asset pool profit, the adjustment mechanism of product price intelligence and the risk early warning mechanism of banking products, To practice and then rise to the theory of repeated process to be improved.