Domestic Commercial Bank Loan Pricing Model Research

With liberalization of interest rate going deeper and deeper, commercial banks in China has been become the main bodies of loan-price-making. For commercial banks,Loan is a traditional business and the most important profit resources. Meanwhile,With the aggravation of the market competition and the challenge from the foreign banks, the commercial banks in china are in dire need of a scientific loan pricing model.Just because of the above-mentioned background, this paper closely focuses on some basic theories of loan pricing and it is composed by the following parts.This paper firstly puts forward background and significance of A Study on Loan Pricing Pattern,and then introduces the theoretic basis of loan pricingand analyzes influencing factors.The third chapter mainly reviews the revolution process of interest rate inChina. In the forth chapter, this paper briefly introduces some mainstream pricing models used by foreign, including traditional and mordern pricing model. The fifth charter points out the main problems of current loan pricing model. On this basis, The sixth charter emphasizes The Selection and Application of loan Pricing Model. And at the same time, this part analyzes the advantage and disadvantage of the two model through selecting one commercial bank as a specific example. The last part puts forward some relative policy recommendations that can improve loan pricing system of our commercial banks.