The Research On Pricing Method Of Bank's Loan Based On SMEs' Credit Rating

Small and Medium-sized enterprises (SMEs) is now playing a extremelyimportant role in our society. But be short of developing ftmd is one of themain reason for SMEs dying young, and these also brought about socialresources wastes. Relatively, commercial banks which have large quantityfund, are unwilling to lend loans to SMEs. It is a big problem how to stimulatebanks lend loans to SMEs for which SMEs can gain the loan they eagerlyneeded and banks can also gain profits. The solution in this paper is thatSMEs pay higher interest rate to gain the loan of band, and banks can coverrisks premium by higher interest rate. Now, interest rate liberalizationproviding chance for banks to lend loans to SMEs.The first chapter of this paper introduces what is the problem,background of the research, meaning of the research. The second chapterdiscuss why choose the method of loan pricing to solve the problem of financedifficulties of SMEs. The third chapter and the fourth chapter mainly discusshow to solve the problem of finance difficulties of SMEs. The main content ofthird chapter is make credit rating of SMEs by Delphi Method and AHP. Andthe fourth chapter is use Price-leading Model to judge loan price of SMEsaccording to the credit rating. The fifth chapter introduces the process of loan pricing of SMEs by a case. The sixth chapter add the impaction ofenvironment factors. The seventh chapter is the summary, innovation andweak point of this paper.