Loan Pricing Of Our Commercial Bank

The marketization of interest rate is an important link of improving the market-oriented degree of finance of our country. Take the liberalization of foreign currency deposits-loan rate of September of 2000 as a mark, China reform marched a heavy step towards interest rate marketization. Since January 1st of this year, Central Bank again determined to expand the loan interest rate fluctuation zone of financial institution. In the following several years, our country will constantly issue a series of reform measures for market-orientation of interest rate, in order to promote China's finance and banking winning development on the basis of competition and criterion. As reform in other fields, the reform of interest rate marketization in finance and banking includes enormous opportunity and risk. The marketization of interest rate made the commercial bank gain pricing right of fund, put forward the new issue for the bank -Loan pricing at the same time.In the first part of this paper, we described the market-oriented of interest rate impact on commercial bank of our country and the realistic meaning of studying loan pricing. Then we have carried on introduction to basic knowledge of loan pricing, thus pointed out that the enterprise's own credit ability is an important factor of influencing loan pricing. On the credit market, the bank lends the fund to the enterprise. The fact is that the bank lends the use right to the enterprise as clients. What the bank paid more attention to is that an enterprise could pay the interest on time and repay the capital at the specified date. Therefore, the enterprise will have a great impact on security of the bank credit funds by its comprehensive strength. So this paper adopted the method of factor analysis to the credit ability of the enterprise in the third part, and put forward corresponding countermeasure.The fourth part of article is the key point of the whole thesis. At first we introduce Construction Bank's traditional pricing mode about the industrial and commercial loan, and point out its problem. Then I select a loan-pricing mode that focus on loan risk premium, give consideration to the goal profit and customer's whole relations, and combining customer profitability to make a pricing analysis for loans. The company and its subsidiary, the major shareholders, the senior administrative staff will amalgamate together, working out the account manual of incomes and expenses in detail, setting up unified profitability analyzed system, and then finding out the bestpricing scheme. This is on the basis of comparative costs and income, consider the cost, risk, profits, and the relation, service charge, deposit and economic factories of enterprises of loan synthetically, make the method of the loan pricing. And give a specification to the flexible parameter and constant parameter. Finally, we illustrate the issue with examples, stressing the realistic meaning.At last I draw conclusions and put forward policy suggestions.Zhao Yuzhen (Finance) Directed by-professor Wu Haihua...