Research, State-owned Commercial Bank Loan Pricing Model Based On The Interest Rate Market Conditions

The pricing of loan is a key component that the commercial bank manages the management system, guarantee the key factor that the commercial bank realizes benefit. Because the long-term interest rate is controlled, has caused commercial banks of our country to generally lack the practical experience of pricing of loan, the pricing of loan is very weak in management, the pricing method of the loan is monotonous.In recent years, the market-based reform of interest rate of our country is moving forward constantly, our country is in transition period marching towards from management system of regulated interest rate to marketization of interest rate. This period, the interest rate of our country is controlled and basically cancelled, but has not reached complete interest rate marketization yet, display it on loan rate, our country unlocks the loan rate upper limit of commercial bank, but the lower limit to loan rate is limited. And our country's current loan pricing method is the loan pricing method of period of the regulated interest rate, not fit for the requirement of period of transition. So, the commercial bank needs to improve the pricing method of the current loan, set up the loan pricing method of period of suitable transition, this ensures oneself to manage benefit to the commercial bank, consolidate the competitive position, have very important meanings.This text, to different ownership composition of our country, different scale loan rate pricing tactics of commercial bank, of our country commercial bank pricing mode, fix the price course Bench Mark, floating interest rate, difference of interest rate and manage, propose concrete suggestion specifically of loan rate, putting forward the suggestion of improving to loan rate management of commercial bank of our country, propose further improving the pricing mechanism of loan rate at the same time. Strengthen determination and control of fund cost, operating cost, risk cost, define loan fixed price course rate of loss expected and it is expected management of loss rate.The commercial bank will implement different pricing tactics to factors such as different ownership property, different scale, different management theories,etc. Four major state-run commercial banks occupy the leading status on the financial market of our country, the state-run commercial bank should confirm the Bench Mark of our bank according to the People's Bank's Bench Mark and pricing mode of the loan rate, the medium and small commercial bank should adopt the weighting Bench Mark of four major state-run commercial banks as the reference Bench Mark of our bank.The pricing general mode of commercial bank loans of our country should have concurrently cost that add the cost to raising funds of the established law at the same time, operating cost, burden of taxation cost,etc. accuracy of cost check and calculate analysis with income law of cost regard customer as the centre, check and calculate debtor comprehensive analysis of income. The concrete loan pricing mode is as follows: Loan rate = fund cost rate operating cost rate burden of taxation cost lead loan comprehensive earning ratio of customer expect loss lead bank goal profit rate horizontal competition adjust factor their He wants to consider synthetically that the debtor's credit situation, guarantee situation, grade the situation etc. in the course of doing the business of fixing the price of loan rate specifically while adjusting the commercial bank of the factor, implement difference fixing the price and floating pricing according to the debtor's morals risk and reverse choice effect.