The Statistical Research On The Pricing Problem Of The Intermediate Business In Our Commercial Banks

The pricing problem of intermediate banking business has been put forward in the international environment, which has the character of opening financial market and the relaxation about interest rate restriction. After our country joins WTO, continuously decreasing of market rate forces banks to meet the market transform, which is coming from traditional business to various intermediate business. The decision of its charge price is becoming an important part of strategic combination in market sales, and blending into the competition in which supply and demand dealers divert and compromise each other.This paper is firstly established in the present development of domestic and international commercial banks. Making use of the statistical curve regression and correlation coefficient methods, the author points out the demand elasticity of intermediate product and forecasts our market potence by the banks' statistical data, especially the banks of coming into the market. Drawing forth the existent problems in the charge institution, the paper discusses the domestic commercial banks how to act on one's own price right on certain product. Revolving around various business natures and different implement scheme, it analyses the banks' efficiency that had been regulated by government and fixes the limit in applied areas under two different mechanics of " government guidance price " and " market price ".Secondly, combining our peculiar financial environment it puts forward the basic principles of price system, the goals, traditional sales strategy and methods of financial products under the guidance policy of overall price pattern, then determines the crucial factors that affects price. On this basis, we induce, compare, improve the price methods and elaborate their inherent limitation.Finally, the author connects theory studies with demonstration analysis. By selecting the historical data about domestic share-holding commercial banks and their related enterprises, the paper discusses the differential pricing characters of credit card and loan ensurance. It uses add-to-cost and financial engineering method to judge the reasonability of establishing existence price. Here, especially introducing nonlinear profit quality of the option price model to the paper, the author assesses the option value in loan ensurance business, and suggests how to make corresponding improvement for present pricing system.