Research On Loan Rate Pricing Management System Optimization Of JL Bank

China's macroeconomy is in a "New Normal" status.Under the three period superimposed,the uncertainties,imbalances and vulnerabilities highlighted in the national economic operation have made the external environment of commercial banks more complicated and challenging.Interest rate marketization is a key step in financial reform.Since the central bank has fully liberalized the floating interest rate limit,the interest rate marketization process of China has accelerated.The rapid penetration of interest rate marketization forced commercial banks to optimize,adjust and improve the pricing model,method,measurement and transmission of loan interest rates.Due to the continuous improvement of bank costs,the scientific,rational,strategic,comprehensive and practicality of loan pricing is crucial to the profitability of banks.Pricing management must be combined with its own actual depth optimization.To solve the problems existing in JL Bank's loan interest rate pricing management,this paper focus on optimizing and improving the current loan interest rate pricing management system,makes it more scientific and efficient so that JL Bank can adapt to the market and outperform peers,and eventually achieve the improvement of comprehensive competitive power.JL bank loan interest rate pricing management has three problems: simple pricing method,imperfect mechanism,low degree of differentiation,and lengthy approval.It is mainly due to the lack of market-oriented pricing awareness,insufficient technical support and poor pricing management talents.Based on this,this paper proposes a pricing system optimization plan,clarifies the measurement of each dimension under the “three-tier pricing management model”,and compares the six loans actually issued by JL Bank in 2017-2018 to verify the effectiveness of the optimization scheme and the pricing method.Combined with the optimization strategy,the operation guarantee measures are proposed,including incorporating the implementation of loan interest rate into performance appraisal management,improving the post-evaluation of interest rate,improving the accuracy of market segmentation and customer segmentation,strengthening the construction of professional echelons,and strengthening the ability to support science and technology,etc.Constructing a scientific,efficient and reasonable loan pricing system is an important method for maximizing bank profit and maintaining sustainable development.This paper study the optimizing the loan interese rate pricing management.The research findings will help JL Bank to actively adopt the reform of interest rate marketization.It is conducive for JL Bank to promote the steady growth of loan interest income,alleviate the adverse impact of external policy environment changes on profits,improve the profitability of loan business,enhance the market recognition and reputation,market share and return rate,and provent the interese rate risk.