Research On The Optimization Of LJ Bank Loan Product Pricing Management System

The pricing of loan products is a necessary requirement for the commercial banks to deal with the internal and external business environment.Loan pricing is accompanied by interest rate marketization,financial disintermediation and competition intensifies and the emergence of a kind of advanced management tools,and is playing an increasingly important role.Compared with some large joint-stock commercial Banks,LJ bank loan pricing at the stage of trial and error,constantly sum up experience in the start stage,through the consult literature at home and abroad,to grasp the development of loan pricing phase and use different development stages of pricing model,influence factors and so on.Together with the present situation of LJ Banks,compared to the current use of loan pricing model in which stage of development,what are disadvantages.Through the study on the investigation of related financial institutions analysis,other local joint-stock commercial bank loan pricing system construction idea,build new way of the management of loan pricing model.Research and study of the paper,the loan pricing management in the whole line of promotion,price is reasonable,the function of play,the business guidance and support,etc.,and thus enhance the overall management level,has played a crucial role.Through the communication with the same industry professionals,understand its loan pricing management responsibility division of labor,business process is perfect,supporting facilities construction whether meet the requirements of management,etc.By weighting method to calculate risk-weighted costs is an important factor in the credit risk cost,the specific weight value according to definite the indicators data in Basel.Through the primary method to calculate the cost of risk in a variety of default loss rate of collateral,respectively by financial collateral,and other commercial and residential real estate for calculation of collateral,etc.Work out total cost accounting of the loan pricing model,implementation of capital costs,operating costs,risks costs,accounting costs,capital costs.Loan pricing management need of the construction the system to guide the business development.Clear all departments and all staff responsibilities,set lead department is responsible for the work in coordination between different business units,to achieve the purpose of mutual cooperate to improve the work efficiency.Combing the business process,will be able to process simplification,improve the efficiency of business processing.At the same time,gradually perfect the personnel system,and strengthen the internal and external business personnel training.The loan pricing as one of performance appraisal basis,linked to personal benefits,make the product pricing is more execution.