Research On Pricing Of Supply Chain Financial Products In Commercial Banks

Supply chain finance(SCF)is one kind of innovative services that commercial banks seek new profit growth points with a narrowing interest spreads of deposit and loan.It has changed the single credit model of commercial banks in the past by making the most of the characteristics of core companies,effectively alleviates the financing difficulties of SMEs and promotes a healthy financial model for the supply chain.However,the scientific pricing of SFC products is very important for commercial banks to enhance the core competitiveness and exploit market potential in the future.So we study this pricing problem in the thesis.Firstly,we look through the previous literature review and find that few scholars study the pricing of SFC products in the perspective of improving the competitiveness of SFC business to commercial banks.Secondly,we work the principle,the influencing factors and the particularity of the pricing of SFC products deeply.And we conclude that the relationship of loan pricing model could meet the demand for the development of commercial bank SFC business at the present stage instead of the the traditional adaptive analysis of loan pricing model.Then,with reference to its pricing strategy from the perspective of long-term cooperation between commercial banks and upstream and downstream companies in the supply chain,we try to use the private economic information of the company to obtain the excess economic profits in the future.So we establish the SFC product pricing model by adopting a uniform discounting distribution approach to enterprises on the supply chain in the current period and then adding to the pricing of SFC products.Finally,through specific simulation examples,the product price was calculated using the current loan pricing method of commercial banks and the SFC product pricing model constructed in this paper respectively.The results show that when the pricing of SFC products consider long-term cooperation between banks and enterprises,banks may be obtained the excess economic profits,formulate more favorable product prices and meet the market demand of commercial banks to open up the supply chain finance business.Against this background,this thesis aims to give relevant policy recommendations on the pricing mechanism of commercial banks for SFC products and optimize the application environment of the supply chain financial product pricing model constructed.So that these products can play their significant roles in the SFC businessand promote the sustainable development of China's SFC business.