Bank Of Communication Y Branch SME Loan Pricing Research

Since 2008, global financial crisis, the small and medium-sized enterprise operating and financing are subject to a greater impact, financing is difficult to become the biggest bottleneck restricting the development of the small and medium-sized enterprise. At the same time, with the state in 2010 began to economic restructuring and adjustment of credit institutions, the gradual tightening of the credit scale, the completion of bank profits and bank profit growth are also being tested. Small business credit as a "bank and win-win" important products for various commercial banks have become an important battleground for competition. But small business loan pricing research, development and implementation of the current most simple and extensive, is still not achieved the customer, by way of security products and the three dimensions of differential pricing, lack of proper and feasible interest rate pricing mechanism, the lack of comprehensive, science and fine, leading to the development of banks and Small and medium enterprises have had constraints. Therefore, the small business loan pricing research has far-reaching significance.In this paper, first standing on small business loan pricing perspective to the pricing of domestic and foreign literature, and to seek for our small business lo an pricing model theory. Then, based on its own characteristics of Small and me dium enterprises, through cost-plus pricing model of the female parent, with the specific circumstances of the domestic credit market and the development of spe cific Y branches, raised credit policy adjustment factors and overall contribution to the adjustment factors, the establishment of a Y branch for Bank of pricing model for loans to Small and medium enterprises.Finally, the empirical method is used in the Y-branch is performing loan pri cing method estimates the price of loans obtained results in this paper the desig n of the loan pricing model price estimates obtained between the results of com parative analysis, this paper demonstrates the design model for pricing accuracy and the actual availability, and proposed use of the model's requirements and rec ommendations..