Research On Loan Pricing Of GuangDong Development Bank

The loan pricing of The Guangdong Development Bank are currently up to standard interest rate made by The People's Bank of China plus, or multiply, that is more common, floating rates. According to the factors such as supply-demand relation of the capital market, client-bank relation, rate of identity of bank and so on, the loan pricing was confirmed by the method of negotiations. However, other factors, such like the rating of client's credit and breach of contract, are inconsiderable. Because of lack of relevant data, sometimes the loan pricing is just according to one's wishes or being negotiable. Therefore, the loan pricing module is a must in The Guangdong Development Bank.There are four chapters to research the loan pricing of The Guangdong Development Bank in the thesis: Chapter one, the background and significance of studies of loan pricing; Chapter two, the common methods of loan pricing of The Guangdong Development Bank; Chapter three, the new methods of loan pricing in The Guangdong Development Bank; Chapter four, some relevant instances.The thing focusing on in the thesis is to price the loan's interest rates depending on the rate of breach of contract of clients' quality, denpengding on floating interest rates of liquidate of impawn and mortgage, denpengding on percentage of saving and loan.Feature & Innovation:First, the module based on rate of breach of contract of clients' quality, increase or decrease by its risk ,changing the old methods of loan pricing lack of relevant data.Second,by analyzing floating interest rates of liquidate of impawn and mortgage,soluting the problem of the loan of impawn and mortgage are higer risk with low interest.Third, by calcalation of the cost saving of capital,the floating interest rate is confirmed , the new module,based on the benefit of clients,solutes the problem of unbanlance of the client-bank relation.