Lending Rates Pricing Research Of Ningxia Bank Under Interest Rate Liberalization

With the further liberalization of RMB deposit interest rate ceiling,market-based reform process acceleration of interest rates means that interest rate liberation of our country has reached its final ball.Only when commercial bank deepens the reform,rapidly adapts itself to the challenge and impact that the interest rate liberalization brings can it be ensured a healthy and sustainable development,and thus loan pricing research of commercial bank under the liberalization of interest rate is rather significant.This article firstly grasps the definition of interest rate liberalization and related theories by research of domestic and foreign literatures,finds out the worth learning and deficiencies of them,combines lending rates pricing development status of commercial bank of our country,and puts forward a model of lending rates pricing of Ningxia bank under interest rate liberalization.The model based on loan prime rate focuses on customer relationship,while loan pricing practices differentiated lending rate pricing according to loan amounts of borrowers,business varieties,credit ratings,guarantee types,comprehensive contribution degrees,average daily deposit,credit records,family valid assets ratio and other different indexes.Finally this article chooses a large number of loan data to carry out simulate application of lending rates pricing models,verifies that the differentiated lending rates pricing model can reach "an unshared price",and enjoys results of different lending rates according to customers ' different comprehensive contribution degrees.