Research On Loan Pricing Management Of Corporate Group Finance Companies

With the continuous development of enterprises,the impact of financial companies on the enterprise group is more and more significant,and for the financial companies to provide loans for the members of the main functions of the loan pricing is particularly important.In the interest rate market continues to advance the environment,the financial company can improve the competitiveness of development,the key is whether the loan business to meet the needs of member units on the basis of profitability,to achieve the Group's maximum utilization of idle funds,which All need financial companies to establish a comprehensive loan pricing model.At present,China's financial companies in the loan pricing model has not yet formed a mature system,compared to foreign commercial banks in the loan pricing aspects of the main methods include cost plus pricing,price leadership pricing,customer profit analysis pricing.Based on the actual situation of our country and the nature of the financial company,it is more suitable for the method of applying to our financial company as the cost plus pricing model.In order to improve the feasibility and validity of the model,we need to set up a set of relatively perfect loan pricing model for L Finance Company by comparing the domestic and foreign loan pricing model and the market environment of our country.We also need to set up the system from the institutional basis,organizational structure,risk control and other aspects to provide protection.The innovation of this paper is mainly embodied in two aspects,one is to combine the case-L company to analyze the pricing model of China's finance company to improve the practical significance of the model.Second,the model combines the impact of China's interest rate marketization,The existing theory has been updated to help improve the accuracy and operability of the model.As the structure and functions of China's financial companies are basically similar,the pricing model established in this paper can be applied to most of the current financial companies.In addition,the model also has some shortcomings,need in the later research and operation and implementation of the process of continuous improvement.