Research On The Pricing Strategy Of The Domestic Commercial Bank's Intermediary Busines

People have been more and more familiar to intermediary business that shows a great market prospect to the domestic commercial banks. In developed countries, intermediary business has been one of the three primary banking businesses which asset and liability business form the other two. The ratio of the income from intermediary business to the total income of bank has exceeded forty percent. But in China, intermediary business is still in the primary stage because the kinds of intermediary business product are so limited and its profit-making ability is very low. Besides the history and conception reasons, the defectiveness of pricing mechanism is also a major reason for the current situation of the intermediary business.As the pricing right return to the commercial bank, the pricing problem is so urge. Pricing strategy is the process to analyze banks'internal and external conditions, and it is the corn of pricing. The purpose of price strategy is to enhance bank's profit-making ability and to promote its healthy and rapid development. Pricing strategy is to seize the chance based on the market, which is different from price-making action. It is a crucial factor for the bank's short-term and long-term profit. If a bank sets down its intermediary business pricing strategy only when it has to do it, then there is nothing that it can control. This paper attempts to introduce the normal commodities'pricing strategy into the intermediary business field. We can take the financial intermediary service as a special commodity and study on its pricing strategy.First of all, I illustrate the current situation of pricing right ownership, which is the foundation of follow research. Then I discuss three passing pricing methods of intermediary business products including cost-plus pricing strategy, competition-driven pricing strategy and customer-driven pricing strategy. In cost field, what decided price are avoidable costs, and risk factor should be considered as a part of costs. The result to combine the avoidable...