Small And Medium-sized Commercial Bank Loan Pricing Issues

When a bank loans to enterprises, the most difficult problem is how to provide a scientific and rational strategy of loan pricing. With the reformation of the interest rate market, the profit of the banks in selling deposits and making loans descended very much. In fact, in a loaning market with the fierce competition, small and medium commercial banks only can act as the acceptors of the price rather than the creators of price. And it is very urgent for the small and medium commercial banks to set a rational price. Through the analysis of loaning status quo and existing problem about the small and medium commercial banks of China, the article tries to analyse the experience of loaning price in the western countries and environments of our country, we bring forward several loan pricing modes which suit the small and medium commercial banks of our country, for the middle and small customers, we suggest the cost-plus mode, for import customers, we suggest profit-based analysis mode, for other customers we suggest synthesized pricing mode. In the mean time this thesis analysed the detailed steps of loan pricing, and relating suggestions and advices. The article analyses the principle and the taking strategy about the loaning price of the small and medium commercial banks, and brings in the executive step about the progress of the loaning price of the middle and small bank, and take a step into perfect the build-up of the system and the assistant measure. At the last, the article bring out the corresponding measure of loaning price, make sure the actual meaning of the listed viewpoint by listing the two different loaning customers, namely big customer and small customer, and by the different business specialty and discrepancy.