Research On Loan Pricing In Commercial Banks Under Interests Rate Marketization

Begin process of interest rate marketization in China from1993to today has been nearly20years, has now entered into the final critical stage of interest rate liberalization, that is completely let go of the deposit and lending rates. We can expect in the near future, the full commercial banks interest rate liberalization will bring great opportunities and challenges, particularly in terms of loan pricing in commercial banks. For current commercial bank, how to choose a loan pricing science methods, the need for various considerations.This article after having introduced the related basic theory of loan pricing in commercial banks, after analyzing a market-oriented interest rate will bring changes to commercial banks, and noted that this change less than current methods of loan pricing in commercial banks in China. At the same time by comparing international pricing method used on many types of loans, discuss their fit within the process of interest rate marketization in China brought to the commercial bank loan pricing requirements.This of conclusions is price led law is can as my commercial banks in at this stage interest rate market process in the used of loan pricing method, while and on price led law made has improved, introduced has silver enterprises relationship, makes improved Hou of price led law more for interest rate market on commercial banks loan pricing of requirements, and to recently two years of data on Shibor currently is can as benchmark interest rate do has feasibility of research, came Shibor meet as benchmark interest rate of conditions of conclusions. Final price leadership in law for the implementation of the internal ratings-based approach for advice.