内容摘要近年来面对国内外日益激烈的同行业竞争,我国金融业将面临严重的挑战和更加激烈的竞争,商业银行产品金融创新模仿现象时有发生,迫切需要银行提高创新产品的定价能力来规避。因此,建立高效完善的金融产品创新定价体系,充分运用价格策略谋取市场竞争的优势,实现经营管理目标,成为我国商业银行金融产品创新发展中的热点问题,具有重要的理论和实践意义。本文首先介绍了我国当前商业银行金融产品创新定价机制,阐述了金融产品创新的定价现状,以理论与实际相结合方式，通过国内外正反两个金融产品定价的实证分析论证了我国目前金融产品创新定价机制的不足之处，提出促进金融产品创新定价机制的参考建议。关键词：金融产品创新定价机制完善建议ABSTRACTInthefaceofincreasedcompetitionintheindustryathomeandabroadinrecentyears,China'sfinancialindustrywillfaceseriouschallengesandmorefiercecompetition,commercialbankfinancialinnovationproductimitationisoftenhappened,urgentneedforBankstoincreasepricingpowertocircumventtheinnovativeproducts.,therefore,toestablisheffectivepricingsystemperfectfinancialproductsinnovation,fullyusethepricingstrategyformarketcompetitionadvantage,realizethemanagementgoal,becomeahotissueinthedevelopmentofourcountrycommercialbankfinancialproductinnovation,hasimportanttheoreticalandpracticalsignificance.Thispaperfirstintroducesthecurrentcommercialbankfinancialproductsinnovationpricingmechanisminourcountry,expoundsthepricingoffinancialproductsinnovationpresentsituation,bywayofintegratingtheorywithpractice,throughanempiricalanalysisofthepositiveandnegativetwofinancialproductspricingathomeandabroaddemonstratesthefinancialproductinnovationinourcountryatpresentpricingmechanism,thedisadvantagesofreferenceSuggestionstopromotethefinancialinnovationproductpricingmechanismisputforward.KEYWORDS：financialproductsinnovationpricingmechanismperfectsuggestions目录一、金融产品创新与定价的关系.......................................1二、目前我国商业银行金融产品创新的定价机制1（一）产品定价准则...............................................................1（二）产品定价方式...............................................................2（三）产品定价策略...............................................................2（四）影响产品定价因素...................................................2三、我国商业银行金融产品创新的定价现状.........2（一）定价自主化程度低...................................................2（二）定价管理机制不健全.............................................3（三）科学定价依据缺乏...................................................3（四）定价方式陈旧...............................................................4（五）定价理念落后...............................................................4四、针对某兴业银行保本类结构性理财产品定价的实证分析.............................................................................................4（一）产品相关数据和选取原因.................................4（二）产品定价原理...............................................................5（三）产品定价过程...............................................................5（四）产品定价评论...............................................................6五、以汇丰银行为例对保本类结构型理财产品的定价研究...................................................................................................6（一）产品相关数据............................................................6（二）产品定价原理.................................
