The Research On Smalland Medium Enterprises Loan Pricing Of D Commercial Bank Based On EVA

State-owned commercial banks,as the main players in the marketization of interest rates,face more and more challenges and impacts in their business environment.For a long time,China's loan interest rates have been strictly controlled.Commercial banks have low autonomy in loan pricing,resulting in relatively low research,,investment and capacity for loan pricing.Under the background of mass entrepreneurship and innovation,small and medium enterprises have laid a solid foundation for China's economic development,providing hundreds of millions of jobs,and the financing difficulties of small and medium enterprises also need to be solved.At the same time,with the advantages of foreign banks and joint-stock banks in terms of pricing,service and innovation,competition with state-owned commercial banks is becoming increasingly fierce.State-owned commercial banks must establish a scientific and reasonable loan pricing mechanism based on the uniqueness of small and medium enterprises and can continue to optimize and update according to market changes,so that it can better control costs,profit and risk.With core development capabilities under thetransformation and innovation and the new normal economy,it can not only solve the people's livelihood problems,but also ensure market share and become one of the growth points of commercial banks' future profits.The paper first introduces the research background and research significance,the research status at home and abroad,and integrated the basic theory of EVA,the paper expounds the related concepts,basic models and main influencing factors of bank loan pricing.Secondly,it analyzes the relationship pricing model of D commercial banks on small and medium enterprises loans,Including analysis of small and medium enterprises loans,analysis of relationship pricing models,etc.Then,based on the actual work participation,the paper analyzes the application effect and problem analysis of D commercial bank's relationship pricing model for small and medium enterprises loans.Furthermore,it proposes the optimization plan of the relationship pricing model of D commercial banks for small and medium enterprises loans,and proposes optimization measures and continuous optimization suggestions for existing problems in the established optimization objectives---Strengthening intra-bank cooperation,optimizing the interest rate approval process,reforming the setting of the relationship discount rate.Finally,this paper summarizes the future and the future of the relationship pricing model.Based on the research on the EVA-based relationship pricing model of D commercial bank,this paper proposes the suggestions for continuousoptimization and the solutions to existing problems,so as to promote D commercial banks to achieve the goal of maximizing value while efficiently serving small and medium enterprises customers.