中国商业银行信贷业务经营中的贷款定价问题研究

Research on the Loan Fixed price in the Credit Business Manage of China's Commercial Bank

近年来中国商业银行信贷业务快速扩张势头尤为强劲,但与其相适应的信贷业务经营收益水平却未随之同步提高,由此凸现出信贷业务快速扩张背后贷款定价问题的困扰。提高中国商业银行的贷款定价能力,从而在信贷业务经营过程中,卡准信贷资金成本与收益的啮合点,做到信贷业务经营成本的可控性,提高信贷业务经营收益水平是解决困扰之选择。

Our country commercial bank credit business expands tendency in recent yeats rapidly being especially forceful, but the credit business fitting in with manage avails level is not having been up. So the harassment on loan pricing brought by the credit business expanding rapidly appears. Paying attention, studying and adopting the suitable strategy, improving the loan pricing capability of the commercial bank to reply this harassment, and then balancing the loan cost and profit, improving control to the cost of credit business and the profit of the credit business manage, which are the necessary choices to solve the harassment.