Research On Loan Pricing Of Commercial Banks In My Country

In July 2013,China's central bank completely let go of the financial institutions lending rates,marked the market-oriented interest rate reform into the final stage in our country,at the same time also means that commercial Banks will become the main body of loan pricing.In the face of increased competition in the financial market,commercial Banks how to combine,including Basel bound and the Banks' own factors under the common effect of various key factors to explore our country commercial bank loan pricing method,the concept and model of it is very necessary,it also affects the our country commercial bank in the position in the international and domestic financial market competition.In this paper,using the modern finance,the basic theoretical knowledge of economics,and based on the current our country open up the limitations to the loan interest rate marketization of interest rate and strict capital regulation indexes of Basel ii,USES the comparison analytic method to draw lessons from the lessons and experiences of foreign commercial bank loan pricing,this paper introduces the abroad mainstream of four kinds of loan pricing model,analyzed the influence of our country commercial bank loan pricing various micro factors,such as capital costs,operation risk,guarantee level,etc.Under the above background,this paper presents the current situation of our country commercial bank loan pricing,characteristics and problems,combining the practical conditions of the above for our country commercial bank loan pricing strategic Suggestions are put forward.