A Research On Evaluation Weakness And Countermeasure Of China Construction Bank Business Loan Pricing Methods

For Chinese commercial bankers, pricing loans is important because of the common factors that the ratio of loans to total assets and the profitability of Joans is bigger than others in domestic commercial bank management. During of opening bank market, deregulating interest rate and central bank more strictly supervising, making rational price of loans is necessary and important. By way of rational pricing loans, Chinese commercial banks can realize profit objective and risk objective.After analyzing china construction bank (CCB) business loans current pricing method, the dissertation evaluate outstanding defects, including lack of pricing basis, distorted activity by stress of short-range financial require and current pricing loans management frame. Under the influence of CCB busyness loan wrong current pricing method , the dissertation analyze that loans is concentrated, credit management is complicated and bank reserves is eroded. Later, the dissertation appraise unsuccessful reason that the omission of strategy, no communication in management structure and lag management information system to pricing loans are directing cause.In the last part, the dissertation tries to provide some useful countermeasure for CCB loan pricing method. It chooses suitable loan pricing formula, effective loan pricing basis, efficient and eligible loan pricing management frame as importance, advices CCB to implement cots-plus loan-price method and risk adjusted return of capital (RAROC). Nevertheless, all the points of view in the paper should be helpful for CCB to develop credit service management and improve core competitiveness.