我国商业银行中间业务产品定价研究

Research on the Pricing of Commercial Banks' Intermediate Business in China

本文在分析中间业务产品定价特点的基础上 ,对目前通行的两种中间业务产品定价方法进行了评析 ,并提出了新的中国业务产品定价方法———风险厘定定价法。该方法的主要思想是 :商业银行应在充分考虑成本的条件下 ,把风险损失作为影响价格的决定因素 ,以客户效用为约束条件 ,以追求商业银行的效用最大化为目标进行中间业务产品定价。

According to the characteristics in commercial banks'intermediate business,the thesis appraises two passing pricing methods in products of intermediate business and brings forward the new pricing method on the basis of risk.Maximizing the profit,it prices the products after fully considering the cost,regarding the risk as determinant,and is also restrained by the clients'effectiveness.