Agricultural Development Bank Ioan Pricing Problem Of Z-line

As China’s market-oriented interest rate process accelerate, financial entities began to focus on loans and other assets pricing problem.Homogeneity has financial entities will loan pricing as an important means of competition.The Zhejiang postal savings bank is currently China’s urban and rural financial system main component, its business scope and generally similar to the commercial bank, loan business is the main business assets, is the main source of profits and risks. The main purpose of this paper is to improve the Zhejiang postal service savings bank loan pricing mechanism and how to optimize the urban and rural small and micro businesses loan programme support of theory.First, the author introduces the bank loan pricing theories:the theory of interest rate, the new Basel accord and risk theory.Then, from the macroscopical and microcosmic on loan pricing of the influence factors are analyzed, and the foreign banking entity loan pricing mechanism, the loan pricing model of foreign urban and rural financial market and loan pricing with different characteristics are described, hope for Zhejiang postal savings bank loan pricing patterns of sound rises to draw lessons from action.Then, this paper summarizes the Zhejiang postal service savings bank loan pricing mechanism development course, current situation, and analyzes its loan pricing problems with inadequate and led to the cause of problems.Finally, combining the above content, put forward to perfect the Zhejiang postal service savings bank loan pricing system and some suggestions.For strengthening the scientific loan pricing concept, establish a standard loan pricing mode of development with its own characteristics, the loan pricing model for the improvement of Zhejiang postal savings bank loan pricing has important significance.The final pattern thereon in the development of urban and rural small and micro businesses loan plays an important role in detail.