Based on the study of these three variables'relationship, which include profitability, credit rating and corporate loan interest rate. This paper has made a conclusion that profitability will impact the credit rating, and then the variable credit rating gives the impact to the corporate loan interest rate. The results of analyzing the collected actual economic data support the hypothesis on the relationship between profitability and corporate rate. In this study, under the different conditions of market-oriented interest rate and interest rate control, the author makes a further expansion analysis on the relationship of enterprise profitability and corporate loan interest rate. On the base of this study conclusion, the author makes a new concept"Interest payable limit"and establishes the Interest Payable Limit model. The model can provide us a new approach to solve the problem in financing for small and medium-sized enterprises, and also, this model can help the bank and enterprises to get a deeper knowledge under the condition of market-oriented interest rate. |