UC知道高手请进，汉===》英
来源：百度知道 编辑：UC知道 时间：2024/05/21 23:42:52
1.建立金融产品定价体系。在利率市场化的情况下，商业银行能否制订一个科学合理的定价体系，具备灵活有效的报价能力，实现风险— 收益之间的平衡，是其能否持续发展的关键。在这个过程中，要建立有效的综合收益测算体系，综合考虑客户对商业银行带来的综合收益，客户的信用风险大小，贷款期限的长短即利率风险大小，以及商业银行的筹集资金成本和运营成本的分摊等方面的问题。
2.增加中间业务产品开发能力，调整利润结构。利率市场化后，银行存、贷款利差缩小，利润水平降低，这就要求国有商业银行必须大力发展中间业务。银行可在积极拓展代收、代付等业务的同时，充分利用商业银行市场主体资格，积极为其他金融机构提供代理发行债券、银证转帐、代理保险、基金托管、代客理财、资产管理、财务顾问、投资咨询等，提高中间业务收人，积极主动地开发低风险、高收益的中间业务新品种，以此大幅度提升银行的盈利能力，促进银行可持续发展。
With the process of MIR(marketization of interest rates), the influence of interest rate on state-owned commercial banks is getting increasingly deeper, and in this case, the state-owned commercial banks should actively seek countermeasures.
1. To establish financial products pricing system. Under MIR circumstances, it is the key to sustainable development for commercial banks to develop a scientific and rational pricing system to gain a flexible and effective pricing ability and to achieve risk-benefit balance. In the process, it is necessary to establish a comprehensive system of income calculations and consider the profits brought about by customers, the customers’ credit, the length of the loan period and interest rate risk, as well as the cost sharing of capital funding and operating in commercial banks.
2. To enhance development ability of intermediate business, and to adjust the profit structure. After MIR, the margin between deposits and loans will get smaller, an