The Middle Of The Commercial Banks In China Business Development And Pricing

Along with economic flourish and financial reform deep turning, society's request to the function of bank has changed greatly. Banking also faces a lot of problems in the thin profit age, such as the competition turns worse, risks increase, gap between deposit and loan interest contract, scope of business is limited. The single method of payoff has hindered its healthy development. In the future years, foreign capital banks in China will aim at profit and make use of their international influence, electron network and information technique, etc. to occupy Chinese infant intermediary business market. All of these make banks think highly of intermediary business, which has no capital request, highly service, high profit and low risk, as never before. Bring forth new ideas in intermediary business and develop it has very important strategy meaning to Chinese banking.The business of the modern commercial bank is divided into three big classes mainly: the business of debt, the business of the assets and intermediate business . The intermediate business products are a great key of survival and development of commercial bank, it is the financial service provided for customer on the basis of debt business and assets business, refers to the commercial bank participate in the trade activity not as one party of credit activity, but as the go-between, and it do not use or use little one's own assets, utilize its advantage in such aspects as technology , information, organization's network, prestige, handle the item of consulting , acting as agent, trusting and assuring etc for customers, and offer the paid service between two parties of business as the intermediary, mediacy, agent, it is the sign of financial modernization and commercial bank's modernization. It has the characteristic of intermediary, synthesizing, diversification, modernization, risk polarization, price marketization , scaling, omnipotence.On the development history of the international finance, the development of the intermediate business of commercial bank has already had a history of more than 160 years. Especially in the last few years, a lot of incomes of commercial banks' intermediate business in western countries have become the main sources of their business income. Commercial banks of our country obtain certain achievement in financial service development at the present stage, have very great potentiality, but a lot of questions exist in development of the intermediate business: The idea is outmoded, lack profit consciousness of theintermediate business; The policy is not perfect, the effectiveness is not strong; The economic and financial development level of our country and development degree of financial institution and market are insufficient; Management system is imperfect, lack the mechanism with vigor , service draggle; The scientific and technological content is not high, the localization is unreasonable; high-quality talents are scarce, innovative consciousness is insufficient; business scope is narrow and small, variety of service is single and business scale is small; income level is relatively low, contribution degree to the profit of the bank is low, the marketing means lags behind; lacking effective examination mechanism, difficult to arouse each side's enthusiasm , charge has deficient, the level of development has imbalance among areas, the direction of financial supervision is indeterminate , sense of risk is faint, legal security mechanism is imperfect. There are disparity in business scale, business income with the development of international banks' intermediate business.And the price of the products is the concrete embodiment of the vitality of the products, so, the question of pricing and charge of the intermediate business of commercial bank will influence its living and develop space in the future directly. Only the problem is settled well, energetical development of intermediate business, and stability and sustainable development of the commercial bank become possible. For a long time, the service that the commercial bank of our country offered has been "free lunch " all the time . In fact the commercial bank also is enterprises, enterprises need to make profits , and the complete free service does not accord with the economic law of the market either. Bank's daily managing, especially the application of Hi-Tech means consume the cost further. Every customer will take up certain resources in the banking system, enjoying " free lunch " will make customers hold several bankbooks and a lot of credit cards, deposit cards without hesitancy, which aggravate the management burden of the bank virtually. So, confirming the price of the intermediate business product rationally, resuming the business essence of the intermediate business, and realizing reasonable paid service , is very realistic and essential to our country's commercial bank accelerating the development of intermediate business , improving business structure , optimize composition of income. So the text has done further research to the current situation and the problems of development of the intermediate business of our country's commercial bank, find that there are a lot of questions in the intermediate business's development of our country's commercial bank, the question of charge include: The policy of the intermediate business charge is notperfect enough; The market of the intermediate business charge is disorder; The management of intermediate business charge is disorder; The charge standard of the intermediate business is on the low side; The charge of policy acting as agency is difficult . The pricing question includes: The traditional intermediate business pricing system lacks flexibility; The pricing of intermediate business lacks benefit idea; The pricing of intermediate business can't reflect that the principle of distributing resources of the bank rationally. The factors that the pricing of the intermediate business need to consider include: the cost of the commercial bank offering products of the intermediate business, the income the customer using the intermediate business products, life cycle of the products; maximization of the whole profit. The pricing method of the intermediate business products is as follows: the method of the goal profit, the method of difference, the method of pricing according to grade, the method of pricing in parallel, etc. According to current situation of the development international banks' intermediate business, we put forward the suggestion for the further development of the intermediate business of our country's commercial bank, including two respects of the charging and pricing. The policy recommendations of charging are as follows: perfecting the charge standard of the intermediate business to offer the good policy environment of the intermediate business's development; giving the commercial bank certain pricing autonomies, and strengthening the industry self-discipline of intermediate business market; The commercial bank should change the idea, and adopt the proper pricing strategy; setting up the categorized management mechanism of the commercial bank's intermediate business charge ; setting up the obligation mechanism of the intermediate business of commercial bank charge; popularizing the management accounting progressively, and advancing the innovation of the financial system; adopting the essential financial analysis to the commission income. The policy recommendations of the pricing include two respects of internal and external environment, the internal environment includes: establish benefit idea; setting up the service network system of intermediate business; paying attention to the cultivation of new-type financial talents; increasing the input in science and technology, and accelerating the electronic process, promoting the development of intermediate business; expanding the variety of business on the basis of consolidating and developing tradition intermediate business; strengthening management, and making the intermediate business standardize; setting up and amplify the incentive mechanism; making the development of all kinds of intermediate businesses of system standardize with the strict accountant system, and making it...