利率市场化下商业银行贷款定价研究18.doc

PAGE\*MERGEFORMAT-1-利率市场化下商业银行贷款定价研究摘要：信贷业务一直是我国商业银行的主营业务，而贷款定价又是贷款业务的关键环节，特别是在利率市场化的大背景下，确定更加科学合理的贷款价格有利于商业银行在竞争日益激烈信贷市场上脱颖而出，实现持续经营。目前在信贷市场上存在着各种各样的贷款定价理论和模型，但是由于我国贷款利率一直处于严格管制之中，贷款定价的能力较弱，考虑因素单一，大多是主要围绕资金成本。因此商业银行更应该立足我国具体情况，提高成本管理能力，建立完备的贷款定价管理体系，不断完善贷款定价机制。关键词：商业银行贷款定价利率TheloanpricingresearchofcommercialbankUnderthemarketizationofinterestrateAbstract:CreditbusinesshasalwaysbeenthemainbusinessofcommercialBanksinChina,andTheloanpricingisakeylinkintheprocessofloanbusiness.Especiallyinthebackdropofthemarketizationofinterestrate,Todeterminethepriceofmorescientificandreasonableloanaboutthecommercialbanktostandoutintheincreasinglycompetitivecreditmarket,andachieveSustainablemanagement.Currentlyexistinthecreditmarketallkindsoftheoriesandmodelsofloanpricing.ButduetotheloaninterestrateinChinahasbeenunderstrictcontrol,andtheabilityofloanpricingisverypoor.Whendeterminingthepriceofaloan,commercialBanksusuallyconsidersafewfactors.Mostofthemarecenteredonthecostofcapital.SocommercialBanksshouldbebasedonthespecificsituationinourcountrytostudytheinfluencefactorsofloanpricing,improvetheabilityofcostmanagement,establishacompletemanagementsystemofloanpricingandConstantlyimprovetheloanpricingmechanism。KeyWords：commercialbank,loanpricing,ratePAGE\*MERGEFORMAT-0-目录TOC\o"1-2"\h\uHYPERLINK\l_Toc32238一、引言PAGEREF_Toc322381HYPERLINK\l_Toc23423（一）研究背景与意义1HYPERLINK\l_Toc21365（二）文献综述6HYPERLINK\l_Toc2243（三）研究思路和方法PAGEREF_Toc22438二、我国商业银行贷款定价问题分析HYPERLINK\l_Toc223468HYPERLINK\l_Toc10367HYPERLINK\l_Toc25523（一）利率敏感性低，缺乏价格弹性PAGEREF_Toc255239HYPERLINK\l_Toc11013（二）基准利率缺乏有效的形成机制9HYPERLINK\l_Toc12958（三）科学合理的定价机制不健全9HYPERLINK\l_Toc4441（四）风险衡量的意识淡薄PAGERE