Pricing Model Research Of Credit Information Products In China

Credit information goods is also known as "credit goods" or" informationproducts", which refers to a kind of goods coming from credit information for furtherprocessing of value-added and reflecting the credit status of the individual. With thedevelopment of market economy in China, credit economy has gradually become themain feature of the market economy, credit transactions in the economic developmentwill play an increasingly important role. Financial market trading and financialsupervision of the credit information commodity demand will increase continuously.At present, the academic for credit information commodity pricing theory and methodare introduced and the research still in the early stage, this paper attempts to makesome theoretical analysis and research methods in the field.The theoretical foundation is the financial asset pricing theory and the labortheory of value. By analyzing the current situation of Chinese credit informationindustry development and the supply and demand equilibrium of credit informationgoods objectively, this paper puts forward a new idea for the construction of marketof our country credit system development mode. Considering the particularities ofcredit information commodity such as cost, perishable and the differencecharacteristic, we selected revenue management dynamic pricing methods andtechniques in comparison to a mainstream pricing method. On this basis, the creditinformation commodity quantizers model, consumer demand model and dynamicpricing model were established. The demonstration and simulation shows that themodel has better simulation results.Mean while the model effectiveness analysis alsoproves that this model has certain feasibility and applicability.