Commercial bank product pricing

Author: Lu Minfeng
Publisher:
Publish Date: 2005-09-01
Features: Bank product pricing is a key factor affecting profit and business volume targets, making it a crucial issue for the realization of marketing strategies across different banks. Based on market economy principles and practical banking experience, this book systematically and thoroughly investigates the problem of bank product pricing. Its content is novel and highly targeted, offering practical guidance for real-world work.
— Professor Zhu Baohua, Vice Dean of the School of Economics at Shanghai University of Finance and Economics, Doctoral Supervisor
In business practice, product pricing and service fees are widely issues, yet there are few available resources or textbooks on this topic, especially those specifically dedicated to commercial bank product pricing. The publication of this book fills this gap perfectly and is expected to be well-received by commercial banks.
— Dr. Zhang Qian, Assistant Director of the Shanghai Branch of Shenzhen Development Bank
This book is a specialized monograph focused on bank product pricing. Its strength lies in the combination of theory and practice, with a primary focus on qualitative analysis supplemented by quantitative analysis. It offers both interpretations of fundamental theories and analyses of typical cases. The book is sure to attract attention and acclaim from financial theorists, educators, and banking professionals. The author, a senior manager with extensive experience in banking, has managed to balance his busy work schedule with writing, which is truly commendable.
— Professor Kong Liuliu, Director of the Finance Department at the School of Business, Shanghai University of Technology
With the advancement of interest rate liberalization reforms, the issue of commercial bank product pricing has become increasingly important. This book, drawing on international theories, methods, and experiences in commercial bank product pricing, combines China's specific conditions to conduct a systematic and in-depth study and elaboration of financial product (service) pricing. The pricing theories, methods, and models introduced in the book are highly targeted and practical, with a certain degree of foresight, offering excellent guidance for the product (service) pricing of commercial banks in China. The book consists of 10 chapters, divided into three parts:
(1) Basic theories and methods of product pricing;
(2) Practical aspects of product pricing, including loan pricing, deposit pricing, pricing of middle-office products (service fees), foreign currency deposit and loan pricing, and the formulation of internal transfer prices;
(3) Case studies and application analyses of product pricing.
This book is suitable for managers of commercial banks (including urban and rural credit unions), as well as business professionals in departments such as planning and finance, product development, and marketing. It can serve as a training textbook for banking professionals at various levels, and also as a teaching material or reference for faculty and students in relevant fields at universities and colleges.