The Study On Pricing System Of State-owned Commercial Banks

As a enterprise, the aim of the bank is obtaining the maximum profit by carrying on its business, controlling risks. And as the price is one of the most important factors that influence the business aim of the bank, the bank must price their products reliably and correctly . In the past, commercial banks in our China served for the public, so they needn't compete for profit. In addition, the financial price was controlled by the government and the banks couldn't price for products freely, so the pricing system hasn't been established. Comparatively, the banks in the western countries have established complete pricing system, scientific pricing model and sufficient information. At the end of the Year 2006, the banking field of our country will open for the world completely, and keen competition will be make between our state-owned banks and foreign banks. So our state-owned banks must improve their pricing system.First of all, this essay introduces the principle theory of pricing for banking product, including pricing aim and the factors influencing pricing. In the words, the pricing for banking products is complex process.Secondly, this essay comments on the pricing system of the western countries. In one hand, the foreign government supplies the pricing right to the banks, on the other hand, the banks establish complete pricing system, scientific pricing model and flexible pricing strategy.Thirdly, this essay introduces the development of pricing for banking products in our country and analyzes the problems of pricing in our state-owned banks comparing with western banks.Fourthly, this essay puts forward the suggestions that how to improve the pricing ability of state-owned banks, especially in pricing right, pricing system which include pricing thought, pricing rules and pricing methods.