Pricing Model Design Of Bank Internet Financial Products

With the innovation of Internet technology, Our country banking industry’s business with the profound changes in the competitive environment, Some traditional banking business and function increasingly weakened, Commercial bank service "move" process accelerates,Management form and profit model is facing unprecedented challenges. Five banks gradually revealed performance report for 2013,Internet financial frequent exposure as an independent business module,This reflects the future direction of development of commercial bank.With the help of the Internet technology,Vigorously develop online financial services is the key to all strategic way.The Internet financial is the focus of the debate in 2013,Internet financial is changing the world financial system, financial business and services, sounds from every angle reveal the Internet financial essence and core,arrange the information,starting from the basic concept of the Internet financial,expounds the main characteristics of the Internet financial.Traced back,Respectively from the United States, Europe and Asia three big economic system financial as well as the development model of the development process of the Internet,Effective guidance of Internet financial development in our country.Back home,Analyzing the financial current situation of China’s Internet,Pay attention to response the hot and difficult in China Internet financial, emphasis and focus problem, from the bank network, securities network, insurance network,Introduces the traditional mode of resource development path, the financial institutions business online.Highlight the key,Detail the third-party payment type a pioneer of Internet financial services,And lead the new network financial service of mobile payment and mobile finance mode.In order to “Yu e bao”, for example,Introduced by "pratt &whitney financial" is the management idea of Internet banking business.In the case of a P2 P network lending,Introduction of the Internet financial function of direct financing;Ali small loans, for example,Introduced the present situation of the Internet financial indirect financing services.Outstanding case, data, business model, a typical business, etc.,Conclusion memorabilia of Internet financial development in China in 2013,Respectively from the representative of the intermediary business payment platform, on behalf of liabilities business platform for the Internet banking, on behalf of the assets of the business of lending to network platform and represent the future innovation direction of integrated platform,Analysis on Internet financial impact to the traditional banking.Financial depend mainly on product innovation and product pricing for your ability to survive,Internet financial deepening customer experience, to reduce the cost,But if the pricing method cannot solve the core problem,Customer stock, flow how much is useless.At present, in our country, the Internet companies, e-commerce platform provide Internet financial services..Such non-banks in terms of pricing and risk management of congenital deficiencies,restrict its further development.However, Traditional commercial Banks has unique risk management system and the mature corporate governance structure,Draw lessons from advanced economies benchmark bank in the deposit and lending, intermediary business, and other products pricing research,Based on the customer comprehensive contribution to the bank profit targets and other elements, designed the Internet bank financial products pricing model,The setting principle of determining interest rate cap,Internet financial products pricing of commercial Banks to provide scientific guidance.Finally, after the matters needing attention of pricing model,For bank of Internet financial development from perfect laws and regulations, improve the regulatory system, strengthen the supervision of industry and promote the fusion to achieve win-win policy thinking is put forward.