利率市场化进程中的中国商业银行贷款定价

Chinese commercial bank loan pricing under free market determined interest rate condition

随着中国利率市场化进程的不断推进,商业银行贷款定价也趋于市场化。如何建立贷款定价机制,制定合理的贷款价格是各商业银行提高市场竞争力和增加赢利能力的主要手段之一。从中国利率市场化改革进程及对商业银行贷款定价的影响入手,着重分析中国商业银行贷款定价的现状、特点及存在的问题,并结合实际对中国商业银行贷款定价存在的问题提出相应的政策建议。

Along with the progress of interest rate reform in China＇s financial market, the commercial bank loan pricing market has been emerged. Thus, how to establish a loan pricing mechanism that can be used for making appropriate loan prices has become one of the most important instruments for strengthening the commercial bank＇s market competitiveness and improving its capability of profit making. This paper starts from analyzing the effect of the Chinese financial market reform on the commercial bank loan pricing. In combination with some actual examples, the paper addresses issues associated with the current Chinese commercial bank＇s conditions, characteristics, as well as its existing problems, and from which some policy suggestions are proposed accordingly.