Research On The Loan Prcing Models Of PSBC Based On Inclusive Finance

Adam Smith thought everyone is selfish. Every society has kinds of groups,vulnerable and strong people all want to improve their living conditions, but the way is different. The goal of almost is gaining wealth, especially when human civilization into the stage of capitalism, wealth is not only the goal of improving their living conditions but also means. So the gap between rich and poor is wider and wider. How to use financial measure change this situation is gradually entering the justice and human rights researchers view. Yunus who got the 2006 Nobel peace prize laureate has said the loan right is a kind of human rights. Then “inclusive financial system “got the support from the ethics, economics, law and other theory.The postal system has a long history on “inclusive financial system”. The Postal savings bank of China(PSBC)works on the rural and community financial.But how to realize the inclusive financial business sustainable development is still a worldwide problem. In this paper, the writer narrates the history of “inclusive financial system “of PSBC, analyzed its product pricing mechanism and problems.Then introduced kinds of product pricing theories.After that, analyzed the successful experience of other countries, for example, Bangladesh?Indonesia? Cambodia. Then,this paper introduces several kinds of common loan pricing models. Finally, analyzed of the current disadvantages of PSBC' loan pricing model.Based on the above analysis, this paper put forward several ways to improve loan pricing model.such as, Customer segmentation, using different models on different customers, strengthening risk management mechanism and make full use of insurance compensation loan risk premium.Finally, the article puts forward several measures to guarantee loan rate's rationality, scientific and commercial, including information gathering and analysis;Setting up information management system; Risk rating and reasonable assessment;Accounting separate accounting independent accounting; Improve the mechanism of Incentive and constraint, Security requirements including: building after loan pricing management system, strengthen the close cooperation between the departments,strengthen the management risk control system, improve loan pricing initiative and flexibility, strengthen the cultivation of loan pricing and management personnel and saving, etc.