澳洲幸运1078码滚雪球技巧规律与公式

产品定价管理系统

商业银行是经营风险的行业,风险定价能力是商业银行的核心竞争力之一。当前经济政策环境下,国家通过MLF引导市场利率下行,降成本支持小微企业,要求银行有效传导LPR并降低贷款利率。这对银行风险定价提出很高需求。神州信息产品定价管理系统Sm@rtRPM是神州信息在对传统产品定价(也叫客户关系定价)管理的系统功能及使用痛点的深入研究和理解的基础上,自主研发的风险定价系统产品。

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给客户带来的价值
产品功能

给客户带来的价值


针对中小银行在产品风险定价方面存在的不足,以及市场上有竞争力的厂商在产品定价运用方面因系统定位不清晰,没有解决银行部门诉求导致系统基本上没有被银行用起来等问题,我们研究银行在1、资产负债部的产品定价管理岗的策略、管理架构和流程制定;2、各事业部进行新产品(场景)设计时的定价需求;3、客户经理进行产品营销时追求产品差异化定价等几方面不同的诉求,针对各事业部新产品定价,客户经理营销差异化定价这两种场景设置不同的功能,以提升银行的风险定价水平。

神州信息的产品定价管理(给事业部新产品设计用)和综合定价(给客户经理营销用)系统不但体现了对定价应用场景、管理架构和处室诉求、客户分群理论、定价模型等方面的深刻认识,而且系统可配置、易扩展。其系统优势特点如下:

提供科学的客户分群模型,有助于挖掘优质客户资源。

扩展的产品定价范围,不再仅仅局限于存贷款产品定价,拓展至资产定价。

提供多种利率定价模型,提高定价能力与市场竞争力。

引入客户价格敏感度分析和预测,为新产品定价的市场发现提供决策。

引入AI模型进行价格走势分析,客户价格敏感度分析,方便价格决策。

模拟各项成本,测算盈亏平衡点,实现先算账,后做业务。

可根据客户贡献度等情况进行优惠利率申请,支持审批流程的个性化定制,易于维护。

产品功能


神州信息产品定价管理Sm@rtRPM系统主要包含产品定价管理(给事业部新产品设计用)和综合定价(给客户经理营销用)两大模块,可根据需要单独建立或拆分。

产品定价管理是给事业部进行新产品设计时使用,包含客户分群、定价策略定义、标准化定价、定价审批、定价发布&查询、收益分析报表、定价测算服务、市场指标监测、AI市场利率预测功能。

综合定价是给客户经理营销时差异化定价使用,包含客户画像、账户规划、客户分级定价、客户综合定价、定价审批、定价分析报表、漏损监控、价格敏感性分析。其中,

1、客户分群包含对公客户分群(麦肯锡归因分析法、数据挖掘法)和个人客户分群(客户画像、客户生命周期与客户价值理论相结合、数据挖掘法);

2、存款定价方法包含目标利润定价法、边际成本定价法、市场渗透定价法、随行就市定价法、以存款账户管理成本为基础的定价方法、综合定价法等方法。

3、贷款定价方法包括:成本加成定价法、基准利率定价法、目标收益率定价法、综合定价法(客户盈利分析法);

4、账户规划是针对名单制重点(通常对公)客户的营销管理流程,包括客户信息采集、方案设计、执行跟踪、后督评价等,为客户综合定价和授权审批提供决策依据。(由产品定价部门设计给客户经理使用);

5、客户分级定价则是按照单笔业务针对不同等级的客户定出不同的价格,通常用于贷款定价;

6、客户综合定价是在客户的单笔业务的价格已经突破了优惠价格情况下,通过对该客户的全部存量业务,并由客户经理录入预计增量业务和申请业务的价格,测算EVA和RAROC,通过不断与客户议价调整增量业务和价格,使EVA和RAROC最终能满足要求;

7、定价漏损是银行实施风险定价后,存在很严重的问题。漏损监控是对所有存量业务进行漏损检视,定期推送改善建议的流程;

8、客户价格敏感度分析用于研究产品价格变化时,用户购买意愿的变化,用于找出销售额较大的价格。系统提供客户价格敏感度分析模型,主要用于存款产品的价格敏感度分析,以便降低付息成本;

9、资金利率是决定产品利率的重要因素,因此对于资金利率要进行趋势分析和预测。对于常见的市场利率(如Shibor、 IBO/DIBO,质押回购DR、国债、票据转贴现等)提供基于AI的WaveNet模型的进行未来各期限点的利率预测,可以为金融市场部操作、市场利率到内部资金成本传导等提供指导。

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