The Study On Loan Price For Institutional Clients Of Bank Of China Shenyang Branch

Institutional client loan is one of the main assets of Bank of China Shenyang branch (stand for BOC Shenyang later). The interest income of institutional client loan is about 65% of total amount of interest income. Last two years, it has not been good for developing institutional client loan of BOC Shenyang, both of the market share and interest income are declining. BOC Shenyang is facing a new important issue in its operating management, which is to change the current method of making loan price and then built a pricing system of institutional client loan to be helpful for developing business.This thesis has five parts. The first part is an exordium; the second part is the introduction of current situation of institutional client loan of BOC Shenyang; the third part is the study on making price for institutional client loan of BOC Shenyang; the fourth part is example analysis on model of making price for institutional client loan; the fifth part is a conclusion.The key point of study is the method of making price for institutional client loan of BOC Shenyang. This thesis summarizes the actual problem in making loan price, and then differentiates and analyzes the factors which affect the price of institutional client loan, fix on the principles of making loan price, rebuilds the model of making loan price, validates new model of making loan price is a good tool to decide on making loan price by remaking price for examples of institutional client loan happened before.The innovation and characteristic of this thesis can be found in following two aspects:one is that the new built model of making loan price offers a good tool for deciding on making loan price by measuring derived business income and calculating integrate contribution from client received by bank. The other one is that the result of making loan price is close to actual level. Appling this model will be helpful for lending rate maker to make a decision on loan price, for clerks who service for institutional clients to enhance the ability of price negotiation, for appraising and managing lending rate after lending money out.