The Research On The Intermediary Business Of Domestic Commercial Banks And The Pricing Of Its Product Combination

Intermediary business is the most important business field and increasing point of profit in commercial banks. After our entering WTO, the continuously decreasing of market rate forces banks to meet the market transform, which is coming from traditional business to various intermediary business. The decision of its charge price is becoming an important part of strategic combination in market sales. The commercial banks intermediate business pricing issue is raised in the financial market liberalization and deregulation of such international interest rate environment. As the complexity of the operation in the real financial market, the price competition system is often distorted during the business commence process due to these many factors. It is worth noting that there is no mature pricing mechanism in China's commercial banks intermediate business, the pricing is arbitrary, which lacks reflection and study.This paper is established in the present situation of the intermediary business in our commercial banks, firstly compares its development and management in domestic banks and foreign banks, gives an objective analysis of the interior and exterior environment of our commercial banks, and makes the gap of intermediary business between domestic and foreign banks clear.Secondly, revolving around the different pricing implement schemes and various business characteristics, it restricts the two different "government guidance price" and "market regulation price", it means the pricing right issue should be viewed from different angles. Following, after analyzing the pricing decisive mechanism, it clarifies pricing purposes, gives three pricing strategies of single intermediary business products, meanwhile, it introduces the comprehensive pricing thought as a result of the combination of the three strategies in practical application.Then, on the basis of the previous pricing theories, it summarizes the universal pricing methods, they are cost-plus pricing method, market oriented method and competition oriented method, and makes a comparison, gives each method's possible uses, as a result, it also reveals their inherent limitations. And then under the guidance of comprehensive pricing thought, it reconstructs the comprehensive pricing model combined with the real situation. It makes pricing demonstration of several intermediary business products by selecting the data collected in some commercial bank, which includes cost-oriented model of personal inter-bank exchange business, demand-oriented model of B2B internet bank business and comprehensive pricing model of intermediary service charge. Among them, it applies the comprehensive pricing model to demonstrate the intermediary business service charge, it centers on the integral interest of the bank, considers product combination comprehensively, coordinates and balances the product prices, which is different from the present cost-plus pricing method used in banks towards single product. As a result, the pricing is more accurate. What's more, combined with the situation in the bank, it discusses the pricing interval of intermediary service charge.Finally, the paper analyzes the existing problems of intermediary business in our commercial banks, gives suggestions of different measures when pricing and recommends how to realize reasonable pricing.