Research On Loan Pricing Of Z Bank In The Process Of Interest Rate Liberalization

At present,our country interest rate marketization process in advance in an orderly way,in August 2019,central bank base lending rate(LPR)mechanism,interest rate marketization reform in our country an important step of LPR system,commercial Banks get more independent pricing power,at the same time,commercial Banks will face spreads customer financing diversified business environment for city commercial Banks,the market interest rate adjustment and fluctuation in the certain extent caused the bank deposit and lending spreads will be squeezed,and spreads is the main source of city commercial bank profit margins In order to cope with the fierce operating environment,the pricing method of loan interest rate is particularly important for city commercial Banks.Based on the analysis of the current situation of Z bank's loan,this paper takes its loan interest rate pricing as the research object,combs and analyzes the current loan pricing process of Z bank,and tries to improve the profit level of Z bank by using the customer profit analysis pricing model and improving the fineness of pricing.Firstly,this paper reviews the process and development direction of interest rate liberalization in China,and expounds the impact of interest rate liberalization on commercial Banks.Secondly,the paper summarizes the current situation of Z bank's loan business and loan interest rate pricing,and finds that Z bank has some problems such as backward pricing model,unreasonable business process and insufficient pricing support.Then,focusing on the problems existing in the z-line loan interest rate pricing model,this paper analyzes and compares the advantages and disadvantages of the existing loan pricing methods,USES the mature pricing methods from abroad for reference,proposes the customer profit analysis model,and verifies the feasibility of this model by combining with the practical cases.At the end of the paper puts forward Suggestions for the optimization of Z bank loan interest rate pricing: first,improve the LPR interest rate pricing mechanism,second,improve the cost accounting system,the third,using the method of measuring risk weighted assets,fourth,improve the business process,the fifth,improve the pricing system function,sixth,improve the internal rating system,the seventh,the establishment of pricing center,the eighth,reinforcing the team of researchers.At the same time,this paper hopes to provide some Suggestions for the leadership of bank Z,solve the existing problems of bank Z,and help bank Z cope with the challenges brought by interest rate liberalization.The practical significance of this paper is to take the Z bank loan interest rate pricing as the research object,discover the problems existing in Z bank and propose the solution,which is operable.However,the previous research rarely involves the specific problem of loan interest rate pricing.