Bank Loan-pricing Strategy Research Based On Customer Segmentation Management

Along with our country economy the high speed growth into medium growth,interest rate marketization leads to smaller loans revenue,financial disintermediation and the development of a new round of financial regulatory changes,financial market supply and demand fundamental change happened,bank assets and profits for several years of rapid growth will also be adjusted for growth at a moderate speed.Facing the complex and changeable internal and external environment,how to grasp the new normal loan pricing under the new rules,to improve the competitiveness of the bank loan and the bank's operational efficiency is important.This requires commercial banks to change the past extensive optional pricing management mode,the introduction of customer segmentation management idea,on the basis of a comprehensive understanding of enterprise production and operation activities,a strategic framework brought to enterprise loan pricing,and according to the market competition situation,determine a reasonable loan price,is possible to realize locking high-end customers,to seize the customers,develop ordinary customers,to ensure the stock of customer,improve customer contribution value.In this paper,the author in the traditional commercial bank loan pricing strategy as the research object,bgased on the loan pricing theory and the theory of customer layered management,discuss the loan pricing based on customer segmentation management strategy.This article uses the research methods include system analysis,investigation method and case analysis.The research is divided into six parts:The first chapter,introduces the research background,research significance,research methods and research of the basic framework;The second chapter,the research status at home and abroad were reviewed,this paper studies the related concept,in-depth analysis of customer segmentation management theory and loan pricing theory;The third chapter,starting from the current situation of the development of Chinese commercial banks,the analysis of the current commercial bank loan pricing model as well as the problems existing in the current loan pricing;The fourth chapter,the thorough analysis of the influence factors of customer layered management loan pricing,based on RAROC loan pricing model and the customer segmentation management theory,put forward the customer loan pricing strategy of the layered management perspective;The fifth chapter,the sixth chapter,based on customer segmentation loan pricing strategy put forward Suggestions for the improvement of effectiveness of loan pricing customer segmentation;The seventh chapter,summarizes the research results of this paper,the shortage of the study and significance.