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vivian_zm · 2020年06月11日

问一道题:NO.PZ2020042003000109

问题如下:

The following statements are about the methods of pricing deposits. Which of the following statement is NOT correct?

选项:

A.

Pricing deposit-related services at cost plus profit margin: this method matches prices and costs more closely and eliminate many formerly free services.

B.

Conditional Pricing: in this method customer pays a price conditional on his uses of deposit account.

C.

For the marginal cost to set interest rates on deposit: marginal cost = change in total cost = new interest rate × New funds raised at new rate - Old interest rate × Total funds raised at old rate

D.

Relationship Pricing: in this method, pricing deposits according to the number of services the customer uses.

解释:

考点:对Managing and Pricing Deposit Services的理解

答案:C

解析:

C选择错误。再求Marginal cost时,正确的公式应为:

Marginal cost = change in total cost = new interest rate × Total funds raised at new rate - Old interest rate × Total funds raised at old rate

请问A选项中说Pricing deposit-related services at cost plus profit margin: this method matches prices and costs more closely and eliminate many formerly free services. 为什么说eliminate many formerly free services呢?

1 个答案

袁园_品职助教 · 2020年06月11日

同学你好!

因为 cost plus margin 的方法就是不再提供免费services了啊,银行对存款人就是该给的的给(存款利息),该收的收(各种服务费)

你可以再去听一下“Pricing Deposit”这一节何老师的讲解