基于经济增加值（EVA）的建设银行产品定价方法研究
发布时间：2018-07-16 22:35
【摘要】：随着我国商业银行存贷款利差的逐步缩小,商业银行来自传统业务的利润也在不断减少。产品是银行业其赖以生存的基础,产品的价格便成为其生命力的外在体现。银行作为一个现代企业,实现经营目标的一个关键要素是价格。商业银行产品种类繁多,影响产品价格的因素也极其复杂,商业银行产品定价是一个系统工程。这种现象不但导致了群众的怨言,而且从长远来看不利于银行的可持续发展。随着金融一体化的进一步加深,国外商业银行科学的产品定价方法和定价体系成为中国建设银行又一个挑战。中国建设银行的管理模式已经从资产负债管理转向价值管理,因此,产品定价也由传统定价转变为基于EVA的定价。价值管理是一种基于EVA业绩评价的现代管理理念,是考虑风险、资本成本的先进管理方法。 本文首先介绍了银行产品定价的一些基本理论和经济增加值的原理及应用,然后分析了建设银行产品定价管理体系及存在的问题,最后研究了基于经济增加值(EVA)的建设银行产品定价方法。文章最后提出中国建设银行定价要从战略层面、政策与流程层面、定价方法、议价技巧和系统建设层面进行管理。
[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.
【学位授予单位】：兰州大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2
本文编号：2127867
[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.
【学位授予单位】：兰州大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2
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