Commercial bank interest rate pricing and pricing strategy

Author: Huang Jianfeng
Publisher:
Publish Date: 2006-12-01
Features: This book is divided into eight parts. Part I is the macro environment of commercial bank pricing. It explores and looks ahead to China's price reform, records the history of China's commercial bank pricing mechanism reform, anticipates the prospects and future of China's commercial bank price reform, and discusses the grasp of the macro environment by commercial bank pricing. Part II is an introduction to commercial bank pricing. It clarifies the meaning of commercial bank pricing, analyzes the basic types, functions, mechanisms, and influencing factors of commercial bank pricing. Part III is commercial bank products. Based on defining commercial bank products, it explores the characteristics and types of commercial bank products and introduces the historical evolution of major interest rate products in China's commercial banks. Part IV is the pricing process of commercial banks. It discusses professional techniques and pricing skills such as price information, price forecasting, pricing objectives, pricing methods, and pricing strategies. Part V is the practical aspects of commercial bank pricing. It discusses the pricing mechanism of commercial banks and conducts targeted discussions on the pricing of assets, liabilities, intermediation services, and foreign currencies. Part VI is an analysis of the pricing behavior of market entities. It analyzes the behavior of the government and enterprises among market entities and, based on this, conducts specialized discussions on commercial bank pricing competition and pricing power disputes. Part VII is pricing management documents. It includes both China's price management laws, regulations, and rules, as well as specialized rules and regulations and management provisions for commercial bank pricing. Part VIII is the People's Bank of China and commercial bank interest rate tables. It compiles the historical evolution of various prices from 1949 to 2006 in China, including interest rates for urban and rural household savings deposits, deposit rates for enterprises and institutions, fixed asset loan rates, working capital loan rates, foreign currency small deposit rates, interest rates for interest and penalty, preferential interest rates, and many others.