迎接利率市场化挑战 构建有效的银行产品定价体系

Meeting the Challenge of the Interest Rate Marketization and Constructing the Effective Pricing System of Banking Products

本文分析了利率市场化条件下银行关系定价战略的主要内容,对于其中的客户分析及分类、客户关系定价模型以及价格管理机制进行探讨并提出实际建议,以期对完善我国银行产品定价体系提供参考。

The paper analyzes the main content of the pricing strategy on the relationship between banks and clients under the con-dition of the interest rate, probes into the analysis and classification of clients, clients relationship pricing models and price manage-ment mechanism, and puts forward practical suggestions in order to provide reference to perfecting China’s banking products pricing system.