【摘要】：隨著我國商業(yè)銀行存貸款利差的逐步縮小,商業(yè)銀行來自傳統(tǒng)業(yè)務(wù)的利潤也在不斷減少。產(chǎn)品是銀行業(yè)其賴以生存的基礎(chǔ),產(chǎn)品的價(jià)格便成為其生命力的外在體現(xiàn)。銀行作為一個(gè)現(xiàn)代企業(yè),實(shí)現(xiàn)經(jīng)營目標(biāo)的一個(gè)關(guān)鍵要素是價(jià)格。商業(yè)銀行產(chǎn)品種類繁多,影響產(chǎn)品價(jià)格的因素也極其復(fù)雜,商業(yè)銀行產(chǎn)品定價(jià)是一個(gè)系統(tǒng)工程。這種現(xiàn)象不但導(dǎo)致了群眾的怨言,而且從長遠(yuǎn)來看不利于銀行的可持續(xù)發(fā)展。隨著金融一體化的進(jìn)一步加深,國外商業(yè)銀行科學(xué)的產(chǎn)品定價(jià)方法和定價(jià)體系成為中國建設(shè)銀行又一個(gè)挑戰(zhàn)。中國建設(shè)銀行的管理模式已經(jīng)從資產(chǎn)負(fù)債管理轉(zhuǎn)向價(jià)值管理,因此,產(chǎn)品定價(jià)也由傳統(tǒng)定價(jià)轉(zhuǎn)變?yōu)榛贓VA的定價(jià)。價(jià)值管理是一種基于EVA業(yè)績評(píng)價(jià)的現(xiàn)代管理理念,是考慮風(fēng)險(xiǎn)、資本成本的先進(jìn)管理方法。 本文首先介紹了銀行產(chǎn)品定價(jià)的一些基本理論和經(jīng)濟(jì)增加值的原理及應(yīng)用,然后分析了建設(shè)銀行產(chǎn)品定價(jià)管理體系及存在的問題,最后研究了基于經(jīng)濟(jì)增加值(EVA)的建設(shè)銀行產(chǎn)品定價(jià)方法。文章最后提出中國建設(shè)銀行定價(jià)要從戰(zhàn)略層面、政策與流程層面、定價(jià)方法、議價(jià)技巧和系統(tǒng)建設(shè)層面進(jìn)行管理。
[Abstract]:With the gradual reduction of the deposit and loan spreads in China's commercial banks, the profit of the commercial banks from the traditional business is also decreasing. The product is the basis for the survival of the banking industry, and the price of the product becomes the external embodiment of its vitality. As a modern enterprise, a key element to achieve the target of the business is the price. Commercial bank There are a wide variety of products, and the factors that affect the price of products are also extremely complex. The product pricing of commercial banks is a systematic project. This phenomenon not only leads to the complaints of the masses, but also is not conducive to the sustainable development of the banks in the long run. With the further deepening of financial integration, the pricing methods of scientific products for foreign commercial banks and the scientific products of foreign commercial banks are further deepened. The pricing system has become another challenge for China Construction Bank. The management model of China Construction Bank has shifted from asset and liability management to value management. Therefore, product pricing is also changed from traditional pricing to EVA based pricing. Value management is a modern management concept based on EVA performance evaluation, which is the advance of risk and capital cost. Management.
This paper first introduces some basic theories of bank product pricing and the principle and application of economic value added, then analyzes the pricing management system and existing problems of the Construction Bank, and finally studies the pricing method of the Construction Bank Based on the economic value added (EVA). Face, policy and process level, pricing method, bargaining skills and system construction level management.
【學(xué)位授予單位】：蘭州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.2

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本文編號(hào)：2127867