Analysis On The Price Of Consumption Credit Loan Of Our Country Commercial Bank

Consumer credit reasonable pricing is an important premise to the increase of operating efficiency in consumption credit and reasonable compensation of consumer credit risk, also adapt the interest rate marketization and the bank to achieve the sustainable development. Therefore, it is necessary to improve our traditional pricing mechanism, draw lessons from western option pricing theory, perfect theory construction of consumer credit pricing, completion deepen development.This paper use the process of consumption credit’s emergence and development as the background, unifies the feature of consumer credit pricing in our commercial bank, with the Black-Scholes option pricing model, studied the influence factors of consumer credit pricing, on the basis of this, combined with the binomial tree pricing model, take the automobile consumption credit pricing as an example, make specific empirical research. Focusing on the practical aspect, present some countermeasures of commercial bank consumer credit pricing.First of all, introduced the basic theory of consumer credit pricing, consumer credit pricing is a system engineering under dynamic environment operation, formulating reasonable pricing mechanism for scientific pricing of consumer credit business, realizes the covered and digestion to consumer credit business risk. Secondly, from the basic actuality of consumer credit, analyses under the interest rate marketization conditions, consumer credit pricing’s advantages and disadvantages, opportunities and threats, obtained equilibrium between the market competition and business profit, and pointed the problems in our consumer credit pricing. Thirdly, introduce modern capital market’s Black-Scholes option pricing principle to pricing consumer credit, fully considerate the quantitative relationship the risk free interest rate, time limit, industry fluctuation and borrower’s rational degree and consumer credit pricing. Then, using empirical analysis, take the vehicle consumer credit pricing as an example, under constructing binary tree option pricing model, with the risk neutral pricing method, pour pushed pricing method, and concludes that in interest rate marketization conditions, car consumer credit reasonable pricing. Finally, according to the study above, combine with the actual situation in our country, put forward several feasibility of countermeasures to our country commercial bank consumer credit pricing development, such as the government must establish the reasonable market interest rates system, the bank to actively cultivate the self-help pricing power, strengthen foreign talents and information communication, etc.