The Research On Loan Pricing Strategy Of A Local Commercial Bank S In Shanghai Free Trade Zone

The establishment of China (Shanghai) Pilot Free Trade Zone hasbeen seen as a leading condition provided for the accomplishment ofChina interest rate liberalization. According to comparative analysistowards Traditional Loan Pricing, China’s chronic approaches undercentral bank guidance has been found difficultly adapted to modern bankmanagement requirements，therefore, the RAROC Pricing Model underthe terms of interest rate liberalization will supply a good choice tocommercial banks.Based on the RAROC pricing model, the thesis chose25loan cases inS Bank. Compared the result with the practical consequence and thevirtual one, the author found RAROC model improve the quality andefficiency of bank loans, which measure the risk and gives reasonableinterest rate. The RAROC pricing model can help S bank to establish amore flexible and scientific pricing system.