利率市场化和贷款定价

Marketing Exchange Rate and Pricing Loans

利率对资金供求的影响如同商品价格对商品供求的影响。利率变动对企业、个人借贷行为影响日益明显。中国的利率市场化是金融市场改革的重要目标,但不能一步到位。从稳定经营与中国商业银行总体稳定的目标来看,存、贷利差应有所扩大。利率市场化下的贷款定价应考虑风险、成本及违约率等多种因素。对不同类型的贷款客户和不同地区的贷款,其定价方法应有所不同。

Exchange rate has influence on the demand and supply of the fund as if the pricing to goods. It will change the behavior of enterprises and persons. The strategic aim for the reform of financial market in China is marketing RMB exchange rate. So the risk of the price system for loan should be considered. The risk may include many elements, such as the cost and the default possibilities. And the pricing method should be different to all kinds of clients and various districts.