Deposit And Loan Interest Rate Pricing Model Of The Finance Company On The Process Of The Marketization Of Interest Rate

With the approaching of the marketization of interest rate,financial institutions deposit and loan pricing in China have taken a beating.At the same time,finance company,as an important participant in financial market,plays an important role in this financial battle,which will take a leading role in other industries and business scope.Based on a deeper marketization of interest rate,finance companies can access the pricing power on their own.Meanwhile,the companies have to enhance their ability of operating management,which could meet higher requirements.Hence,how to formulate a set of deposit and loan pricing model effectively will become an important issue for the finance companies and financial institutions.According to the marketization of interest rate,this paper will focus on an analysis on determining the deposit and loan interest rate pricing model and method of the finance company.Moreover,it will analyze some preconditions on the process of determining the pricing model.The first chapter will introduce the historical background and significance of loan pricing model of finance company,which points out the purpose of writing this paper.In the second chapter,the paper will expound several modern histories of interest and prospective model on pricing loan interest rate critically.The third chapter will describe the current situation and characteristics of the marketization of interest rate,which provides the basis of studying on the pricing model in finance companies.The fourth and the fifth chapter are the main content of this paper.In the fourth chapter,it will study the current situation and problems of the marketization of interest rate,which are facing by finance companies in the pricing process.Furthermore,the fourth chapter performs a cohesive function with the fifth chapter.The fifth chapter will analyze the pricing model from three perspectives,loans and deposits,the pricing model in the United States and Europe,and the pricing model in the finance companies.Meanwhile,the last part will point out that the shortcomings on establishing the pricing model and put forward the corresponding measures and suggestions.