Research On The Loan Pricing Of Chinese Commercial Banks In The Progress Of Interest Rate Marketization

To understand how the bank operate and gain profit, we need to understand what is loan first, loan is the key method for a bank to receive founds that the bank can collects and then invests in other project that could help itself to gain more profit, that is how the bank operate and make it work right now. Actually the interest rate in China was highly controlled in a long time with an extremely strict rules and regulations, which is inflexible for the marketization of interest rates.Recently the financial management system is becoming more and more exoteric while the in the same time that different nations are also trying to strengthen the tie between each other and work in the context of reforms in the loan policy. But due to the fact that the marketization of interest rates started relatively late in China so there is a gap between current environments fact and exist technical support, thus most of our bank is still using the original extensive loan method, that is why there is still a gap among the cost, risk and the profit control ability, which lead to the result that the balance policy had not been adequately reflected and could then cause some certain problems and risks in actual works. So how to establish the pricing model that can both satisfied the bank and its clients and maintain the competitive position is a current problem that our banks need to figure out.This paper is based on the research of the marketization of interest rates and combined with the characteristics of bank loan pricing model in real economic context,and this paper analyses and discusses some problems and comes out with a solution that is suitable for China on the scale of the bank loan method. We puts forward the proposal on some phenomena and problems which are worthy of further study after the discussion and analyzation.