Under LPR Background,The Study Of Best Loan Pricing Based On The Analysis On Bank Of Beijing

Loan pricing is a key business strategy of the banking industry.Whether there is a level of effective pricing for borrowing is a difficulty encountered by many financial institutions.The excessively high bank loan interest rates of financial companies and financial institutions have caused customers to seek loans from other financial companies,resulting in the loss of high-quality customer information,and financial institutions suffered losses;if the price is too low,financial investment companies will encounter many challenges in the real estate industry.With the deep level of LPR reform and innovation,the market demand in the inter-bank market has become increasingly fierce,which is also important for honing the banking industry’s ability to price loans.my country’s banking industry has gradually introduced and explored loan pricing methods,but there are still some differences in the loan pricing capabilities of my country’s banking industry.Bank of Beijing’s profitability technology leads the sales market and is a classic case of regional banks.At the same time,the asset quality of Bank of Beijing is relatively high,the scale of credit asset companies continues to grow,and the scale of collaborative retail operations is high.Although deposit reserves are maintained for a long time,the ability to hedge transaction risks still needs to be improved.The ability to scientifically and standardize loan pricing is critical.Based on this,the article selects the borrowing data information of 37 listed companies of Bank of Beijing in 2020,based on the LPR reform,innovation,environmental science research,the best loan pricing in the banking industry,and the risk-adjusted return on assets(RAROC)as the objective function.The composition risk use value VaR is the constraint equation,the capm model of the borrowing composition based on the RAROC profit maximization is created,and the empirical analysis is carried out using the borrowing data information of the Bank of Beijing.Compared with the composition rate of return,the borrow composition capm model based on RAROC profit maximization can have both the profitability and risk of the borrowing structure.It can not only manage the risk steadily,but also get higher profits under the risk of the enterprise.This scientific research has brought new basic theories and application of scientific methodology to the scientific research on the best loan composition pricing in the banking industry under the environment of LPR reform and innovation.The results show that the annual interest rate of the loan pricing obtained by the raroc-var model is higher than the annual interest rate of the specific contract by a certain percentage.Among the 37 target companies,the intrinsic rate of return is lower than the loan pricing of the raroc-var model,with an average value of 2.08%.The results showed that among the 37 target companies,the return rate contained in the loan contract was slightly lower,and the risk evaluation of customer breach of contract was not comprehensive.The underestimated risk of the loan price indicated that the bank loan interest rate could not cover the risky cost of debt.