Under The Background Of Interestrate Marketization, Loan Prining Of Commercial Bank In China

The People’s Bank of China decided to cut the benchmark deposit and lendinginterest rates of financial institutions since June8,2012. Financial institutions one-yearbenchmark deposit and lending rates will be lowered by0.25percentage point, andlimited to1.1times on the deposit interest rate.The loan rate floating on lending rates islimited to0.8times. Based on the above, we know that the pace to promote themarketization of interest rates is accelerating. From1996, the People’s Bank of Chinareleased the inter-bank lending market and bonds market interest rates to the current,process of China’s market-oriented interest rate was in accordance with the first foreigncurrency, after the local currency; first in rural areas, after the town; loans first, after thedeposit; significant amounts first, after small order step-by-step, and achieved goodresults in practice.Faced with the rapid advance of the interest rate market, China’s commercial banksobtains the free pricing on loans and faces serious challenges. For a long time,commercial banks in China gets profits rely on high-interest, lacking of motivation onloan pricing. So in the case of loan pricing power to transmit to the commercial banksgradually, commercial banks will become the main bodies of loan-price-making, theneeds of the scientific way of loan pricing is becoming more and more urgent. Thisarticle analyze this problem under the serious background.This paper firstly puts forward background and significance of A Study on LoanPricing Pattern, and summaries the research status on the issue of loan pricing at homeand abroad. Then the author reviews the revolution process of interest rate in China, andintroduces the related theoretic basis of loan pricing. In the forth chapter,the authorcompares and analyzes some mainstream pricing models used by foreign, includingCost Plus Pricing Model; Price Leadership loan Pricing; Customer ProfitabilityAnalysis Loan Pricing.In the last article, the authors raise the suggestion about promoting the loan pricingfrom three angles, including benchmark interest rate, the cost of capital and riskpremium through analyzing the current situation and problems in China’s commercialbank on loan pricing.