| Abstract; Loan business is the core business of commercial banks, the loan price from the micro perspective, will influence the commercial bank customer structure, the degree of risk and profit scale; from the macro stresses, it for the allocation of resources to play a decisive role, but also has a wide and deep influence on the economic development. How to improve the ability of loan pricing of commercial banks especially for Small and micro businesses loan pricing ability has become an important issue in theory and practice Chinese banks generally face.This paper studied Small and micro businesses loan pricing problem for the Industrial Bank Taiyuan branch, defines the related concept, then the loan pricing in the asymmetric information theory, credit risk management theory, price theory is analyzed. The interest rate decision theory in the classical interest rate theory, liquidity preference theory, Keynes’s theory of loadable funds, the general equilibrium theory of interest are described. The research status at home and abroad are reviewed and the Small and micro businesses loan pricing mechanism. Secondly, this paper analyzes Small and micro businesses loan pricing present situation and the problems of the Industrial Bank Taiyuan branch, said the Industrial Bank Taiyuan branch Small and micro businesses loan pricing in the foundation system is not perfect, the loan pricing model design unreasonable, loan pricing departments lack of cooperation.On the basis of the above analysis, this paper puts forward the Industrial Bank Taiyuan branch Small and micro businesses loan pricing model design strategy. In the analysis of the cost oriented pricing, market oriented pricing, customer oriented pricing, the pricing mechanism for cost oriented pricing is more suitable for the loan of the Industrial Bank Taiyuan branch Small and micro businesses. Loan based cost needs to determine which mechanism (including capital cost, operating cost, tax cost), loan target profit, risk premium costs (including the term risk premium and default risk premium), model adjustment factors (including credit policy adjustment factors, customer contribution adjustment factors, the market adjustment factors) are described in detail. And the case analysis of pricing mechanism in the form of the designed model and the current use was analyzed.Finally, the paper put forward the implementation requirements of the Industrial Bank Taiyuan branch Small and micro businesses loan pricing model and security factors. Implementation requirements include:information collection and analysis; information management system; risk rating and reasonable assessment; accounting ledger accounting independently; incentive and restraint mechanisms of sound. Including the security measures for the implementation of Small and micro businesses pricing model:the construction loan pricing management system, strengthen the close cooperation between various departments, and strengthening the operation and risk control system, enhance the initiative of loan pricing, strengthen training and reserve talents team pricing loans etc. |
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