The Small And Micro Enterprise Loan Interest Rate Pricing Research Of Mianyang City Commercial Bank

This paper mainly studies the commercial banks asset risk pricing for small and micro enterprise, consider the Mianyang City Commercial Bank’s specific situation, build a small and micro enterprise lending rate risk pricing models, and make a simple example.As we know, Commercial banks in terms of medium and small cities, under the impact of the financial regulation more open, the marketing of interest rate accelerate the process, and the internet finance, accelerate its risk asset pricing research, setting up the system of pricing mechanism more perfect, will ensure that its has a seat in a place in the near future in China’s financial market. Otherwise, many small and medium-sized banks unable to resist theinterest rate marketing and the Internet financial striking.Specifically, this paper analyzes the current theoretical research on the status of the research questions, summarizes the current theories of various interest rate decision, and China’s interest rate market development process, analyze the impact of the interest rate market on the banks, and simple Some of response measures; then describes some of the ways the bank asset risk pricing model to analyze the current situation of the development of risk-based pricing of loan assets like MCCB of China’s banking industry, and causes; Finally, based on cost, expected return and risk three loan pricing model factors, and the model with MCCB practical cases, a simple application analysis.In this paper, the innovation mainly manifests in:(1) use the loan interest rate pricing principle for a simple analysis of the interest rate risk pricing;(2) the use of Mianyang City Commercial Bank small and micro businesses credit original data, the data source reference is strong.