商业银行贷款利率市场化定价的新进展及政策建议

Commercial Bank's New Progress and Policy Recommendations of Market-based Loan Pricing without the Limit of Lending Rate

本文就当前主要的贷款利率市场化定价方法进行了比较,对人民币贷款利率管制全面放开一年多来我国25家商业银行贷款利率定价机制和方法上的新进展进行了总结,并根据当前制约我国商业银行贷款利率市场化定价的主要问题,提出了有针对性的政策建议。

The article compares the current major market-based loan pricing methods , and summarizes the new progress since July 2013 of market-based loan pricing mechanism and methods by examples of 25 commercial banks in China, when the limit of lending rate of financial institutions in China was removed completely. Policy recommenda- tions are given according to the current constraints of market-based loan pricing.