Our Country Commercial Bank Intermediate Business Fixed Price Strategy Research

Along with our country intermediate business fixed price right by government all extensions by bank, its fixed price question is imminent, but fixes a price the strategy is the bank to internal and external environment coordination, is the fixed price core, its goal lies in the enhancement middle service's profit level, promotes its health high speed development. Therefore, the study of China's commercial banks intermediate business pricing strategy is of great realistic significance.This article first introduced the present our country commercial bank commonly used three kind of fixed prices strategy: The cost fixed price strategy, the competition fixed price strategy or the relational fixed price strategy, and has carried on the appraisal to these three kinds of strategies. Next in the analysis fixed price power question, separately from the bank property right angle, the market angle and the price structure mechanism angle analysis fixed price power inevitably by commercial bank all reasons, and the application game theory method has analyzed government regulation fixed price invalid and the bank independent fixed price cannot cause the phenomenon which the intermediate business randomly collects fees. This article attempts to regard the financial product and the service as an item of special commodity, the model general commodity production and the sales fundamental research fixed price strategy, proposed take realizes the bank profit maximization as the goal synthesis fixed price strategy, and has constructed the synthesis fixed price strategy model based on the bank profit total amount maximization and the sales total quantity maximization two kind of management goals. Then, the article let loose the supposition condition to the model distinction one and the introduction effectiveness function has carried on the adjustment. Paper in three cases (middle service fixed price which by three cases bank combination product fixed price, B2C on-line bank fixed price and some city some state-owned bank sets up) introduced the model in the actual center application, and has carried on the analysis to the case result. Finally, the analysis of cases on the basis of a comparative analysis of application methods described the advantages of the model. And the model that in practical application needed to be solved, such as fixing the financial cost of products such difficulties.