商业银行价格歧视定价策略研究

Research on the Tactics of Price Discrimination in the Commercial Banks

价格歧视是一种需求导向的定价策略,由于不同顾客群体对不同产品具有不同的需求弹性,企业可以通过合理实行价格歧视,获得更大的利润。本文拟从价格歧视的经济学原理入手,分析金融企业实行价格歧视的条件和类型,特别是价格歧视定价策略在金融业的一些特殊运用形式,为银行产品及服务定价提供理论依据和现实指导。

The price discrimination is the demand-oriented pricing tactics, based on the fact that the demand elasticity to different goods varies among different customer groups and enterprises can obtain greater profits by reasonable price discrimination. This paper begins with the general economic theory on the price discrimination and then analyses the prerequisites for financial institutions to implement the price discrimination and its possible forms. Special attention is given to the unique applications of tactics of price discrimination carried out in the financial industry so that it will offer theoretical foundation and practical guideline for the pricing of financial products and services.