摘要
本文基于对商业银行三种贷款定价模式即成本导向、市场导向、客户导向的比较研究,归纳提出了适合我国中小商业银行特征的贷款定价模型,即"市场导向的成本加成贷款定价法"。同时,还采用某中小商业银行10家企业信贷客户的贷款定价实例,验证了本定价方法的科学性和有效性。本文研究对中小商业银行建立科学有效的贷款定价体系,以及应对利率市场化挑战提升利率定价和风险管理能力具有比较重要的理论和实际意义。
In this paper, on the basis of the comparative research among three kinds of loan pricing model for the commercial bank what are cost--oriented, market--oriented, customer--oriented, we summarize the loan pricing model suitable for the small and medium commercial bank in china, which is named the ＇ market-- oriented cost--plus loan price＇. At the same time, this method is verified to be scientific and effective through 10 enterprise customers＇ price of loan in small and medium commercial bank. This paper has the important theoretical and practical significance on studying how to establish a scientific and effective loan pricing system for small and medium commercial bank, and on improving pricing capability to deal with challenges of rate marketing, and on promoting risk management capability.
出处
《经济管理》
CSSCI
北大核心
2009年第12期122-130,共9页
Business and Management Journal ( BMJ )
关键词
中小商业银行
贷款定价
市场导向
成本加成
small and medium commercial bank
loan pricing
market-- oriented
cost-- plus
