Determinants Of Loan Prices Based On Market-oriented Interest Rate Commercial Banks

The financial product is provides the service for the customer and it satisfies the customer in the fund aspect demand.It is same with all other products, also has the price, generally by form performance and so on interest rate/exchange rate and tariff. But, joined WTO and the market economy system establishment and the deepening along with our country, the interest rate system already more and more does not adapt the economical marketability and the global economic integration objective request, only then advances the interest rate marketability gradually, can further advance Our country Banking industry the commercialization reform, the promotion banking industry and the national economy benign interaction development.Because the foreign currency loan advance one step has implemented the marketability interest rate compared to the RMB loan.The loan fixed price right to independence return has initiated between various banks the intense price war.These competitions has often been short some rationalities, many several minute blindness, by has not caused the human to worry begins to accrue interest rate under the marketability condition the standard currency loan prospect.Therefore, strengthens to saves the loan interest rate fixed price technology the research, the academic society basis asset operation risk and the customer degree of contribution, nimbly participates in the market competition using the price strategy, forms oneself unique goal customer market, has the extremely vital significance regarding the commercial bank.Commercial bank's management is through creates the value to the risk effective management.The credit operation is by this Bolley's management behavior, provided the loan not to be able to avoid the risk, but this risk had to be controllable, the risk and the income matched are the basic principles.Therefore, carries on the appraisal and the management to the customer risk is a commercial bank extremely important work.This article writing goal is the jobholders who prompts the commercial bank, the interest rate marketability reform causes the traditional high quality customer loan interest rate the drop, the commercial bank to be supposed inevitably to adjust the management center of gravity, establishes gradually conforms to own characteristic goal customer market, the science determines the loan fixed price reasonably: For will be supposed to the future market steep competition, the commercial bank to have to establish the adaptation interest rate marketability request the credit fund fixed price and the adjustment mechanism, according to own management orientation and risk bearing capacity determination financing object, the venture capital which thus will guarantee which will earn the income covers sufficiently undertakes.The author believed that, in the loan fixed price, Our country Commercial bank should establish gradually;"by economical increase in value (EVA) was equal to the zero hour suffers no loss of capital the interest rate is a lower limit, considers the customer risk and silver guest whole relations fully"; loan fixed price mechanism.Take this as the instruction, the commercial bank loan fixed price basic pattern is:A loan goal interest rate two fund cost rate + management cost rate + tax burden cost rate + anticipated loss factor + economical capital repayment + economical increase in value goal income +/competitiveness fluctuation.Each factor which involved to the loan fixed price formula in carries on in the paper has analyzed one by one.Venture capital is loans in the fixed price the key and the difficulty .Venture capital including anticipated loss and non-anticipated loss.The anticipated loss is the loss mean value, has been included by the reserve fund form the loan price, the non-anticipated loss is the loss to the anticipated loss deviation, namely the standard deviation, it must resist by the bank capital, maintains the bank the steady operation.This article also put forward the loan fixed price flexible factor - competitiveness fluctuation concept, namely in order to avoid loaning the price one-sided wishing, strengthens the market competitive power, the commercial bank when the fixed price needs to consider exterior factors and so on competition environment, customer combined earnings, bank own. structure adjustment. In exterior competition environment analysis, the article has utilized the baud five kind of competitive power model.This article writing goal is the jobholders who prompts the commercial bank, the interest rate marketability reform causes the traditional high quality customer loan interest rate the drop, the commercial bank to be supposed inevitably to adjust the management center of gravity, establishes gradually conforms to own characteristic goal customer market, the science determines the loan fixed price reasonably: For will be supposed to the future market steep competition, the commercial bank to have to establish the adaptation interest rate city.