A Profit Target-Oriented Pricing Model of Internet Finance Product in Commercial Bank

With the advancement of Internet technology, the operating and competitive environment of China's banking industry has undergone radical changes. Some of the traditional banking businesses and functions are increasingly weakened, and the bank's business forms and profit models are facing unprecedented challenges. Based on Internet technology, vigorously expanding online financial services is the key strategic way out for financial sector. From the perspectives of the basic concepts and main characteristics of Internet finance, this study designs the pricing model of Internet financial products in commercial bank based on the factors such as customer comprehensive contribution and bank profit target. This study can provide scientific guidance for the pricing of commercial banks' Internet financial products.