银行服务定价策略研究

Researches in the Pricing Strategies of Bank Services

随着科学技术的飞速发展和市场竞争的日益激烈,利率市场化的进程加快,商业银行单纯依赖利差生存的时间已为时不长。发展中间业务和实施服务收费已成为许多银行提升效益水平的重要法宝。在收费业务中,银行要针对不同的客户、不同的服务项目、不同的需求、不同的经营策略,采用不同的收费价格策略。

In the wake of the rapid development of science and technology and the increasingly fierce competition for market, the pace of interest rate marketization has quickened its step and the times when commercial banks survive by only relying on spreads will come to an end soon. It is believed that developing intermediary services and providing paid services will become the important ways for most banks to increase benefit. In paid services, commercial banks are required to adopt various charging and pricing strategies in the light of different customers, different service items, different demands and different management tactics.