Research On The Factors Affecting The Pricing Of Public Loan Interest Rates By Local Commercial Banks

Marketization of interest rate's main goal is to set up is determined by market supply and demand of financial institutions deposit and loan interest rates of interest rate formation mechanism,through the use of monetary policy tools to control and guide the market interest rate,make the market mechanism to play a leading role in the financial resource allocation.Obviously,the result of the interest rate marketization make bank product price,deposit and lending interest rates gradually relaxing,Banks in the process of management to decide the price for the loan and deposit costs,greatly promote market-oriented operation of our country's Banks.At the same time,with interest rate liberalization,it will inevitably raise new requirements for corporate financing and financial regulation.The issue of interest rate pricing is a matter of great concern and practicality for commercial Banks,and its pricing method is an international problem.This paper focuses on the analysis of the influencing factors of the pricing of corporate loans,especially the domestic and foreign countries.First introduced the selected topic background,purpose and significance,introduced the domestic and foreign research status and development trend of interest rate liberalization,analysis of loan interest rate pricing influence at home and abroad,and the commercial bank loan interest rate pricing theory and method are analyzed,and emphatically analyzes the now use some of the pricing theory and method.Secondly,the paper analyzes the current situation of the development of Chinese commercial Banks,to practice the marketization of interest rate in China in 2009 to 2017 in the first half of the development of various types of financial institutions are analyzed,and illustrates the implementation of market-oriented interest rate in nearly eight years the overall management strength is rapidly increasing in China's banking industry,the market localization is more and more clear,to produce a batch of professional,has its own management characteristic of commercial Banks,since the interest rate marketization,also analyzed the refinement require commercial Banks to shift and become an inevitable trend.Subsequently,the introduction of yunnan area actual situation of the K bank loan interest rate pricing management construction,selection and use of five types of case analysis shows that the influence factors of K toward bank loan interest rate pricing and the existing problems,for this paper,empirical analysis are done on loan interest rate pricing strategy analysis laid the foundation instance.Before and according to the theory of economic analysis,pricing theory analysis and case analysis,fully analyzed the influencing factors,the risk of loan interest rate pricing risk degree of the influence factors on the loan interest rate pricing strategy,enterprise risk preference and future possible risk is difficult to control in advance and grasp,uncertain and fuzzy.Creatively,tentative quotes fuzzy theory,fuzzy clustering analysis model in a wide range of influential to loan interest rate pricing risk factors may be produced,when loan pricing strategy,those factors can be analyzed and establishing reasonable loan interest rates,the whole process using the software Matlab.Finally,the corresponding strategies are proposed.