Research On SZ Bank Small And Micro Enterprise Loan Pricing Under The Background Of Interest Rate Marketizatio

The purpose of this paper is to formulate a scientific pricing strategy for small and medium-sized commercial banks in order to further enhance the competitiveness of small and medium-sized commercial banks in the loan market of small and medium-sized enterprises under the background of market-oriented interest rates,as government policies continue to strengthen support for small and micro enterprises.This paper expounds the relevant research at home and abroad,analyses the current situation of loan pricing of small and micro enterprises in China,studies the characteristics,problems and related influencing factors,and introduces several commonly used loan pricing models.Finally,taking SZ Bank as an example,this paper introduces the development of SZ Bank itself and other banks,analyses the current loan pricing model of SZ Bank,finds out its problems,and modifies the original pricing model by adjusting the capital cost,tax rate and economic capital adjustment coefficient in the model,and calculates it with actual cases,and concludes that interest rate marketization and government policy will be further optimized.The differentiated pricing model,which is based on different enterprises,improves the competitive advantage of commercial banks.At the end of the paper,the rationalization suggestions are put forward as follows: perfecting credit rating system of small and micro enterprises,optimizing loan pricing auxiliary system,optimizing price approval process,strengthening product research of small and micro enterprises,and formulating comprehensive pricing strategy.These suggestions have certain reference significance for small and medium-sized commercial banks in improving their pricing strategies for small and micro enterprises.