Research On The Pricing Mechanism Of The Loan To Small&Micro-Enterprise In Commercial Banks

Whether in what age and what kind of economic environment, smallµ-enterprise playsan important role in market development. In china, smallµ-enterprises are becomingincreasingly active, taking an increasing proportion of total development of the market economy.However, financing has been the shackles of smallµ-enterprises’ development. Thoughowning a higher average profit margin, due to the business risk, commercial banks have to considermany factors in smallµ-enterprise loans, resulting in difficulties for smallµ-enterprises to get a reasonable loan. From commercial banks’ view, they are eager to expandthe smallµ-enterprise credit market to continuously improve their competitiveness.Therefore, what kind of price for smallµ-enterprise loan and how to develop a suitablepricing mechanism become the subject to tackle for commercial banks to achieve the strategy ofexpanding the smallµ-enterprise credit market.In this paper, on the basis of analysis of the current pricing mechanism, confronting theparticularity of pricing when commercial bank give loans to smallµ-enterprise, we studyrelevant theory and practice of smallµ-enterprise loan pricing mechanism, and try to build asuitable loan pricing mechanism for commercial banks from two aspects including pricing processbetween related departments and pricing model for smallµ-enterprise loan. When arrangingfor the cooperation process, first thing is to subdivide the loan pricing into seven aspects includingthe information collection and analysis, building information management systems, risk rating andassessment, the independent accounting of the accounting revenue-sharing, improvement of the riskmanagement system, sound incentive and restraint mechanisms, training and reserving creditpricing talents. Then the organizational structure and business processes should be taken intoaccount. In building a pricing model, the basis of the loan cost rate, risk premium and theadjustment factors should be under comprehensive consideration. Under the premise of coveringrisk, in the loan pricing, commercial banks can flexibly operate according to their actual situation toprovide more convenience for small and micro business loans. For the commercial bank itself,reasonable lending rates can compensate for risk and achieve a certain level of profitability; as for the smallµ-enterprises, under the premise that the loan interest rate is reasonable, they willturn to the bank for more funds. And with the strong funds, they will get the further growth anddevelopment. As we can see, scientific and reasonable loan pricing mechanism can not only supportsmall and micro business development, but also protect the competitive position of commercialbanks themselves, and constantly promote their innovation and development.