利率市场化下的我国商业银行贷款定价问题研究

Study on Commercial Bank Loan Pricing in the Situation of Interest Rate Liberation

随着中国利率市场化进程的加快,商业银行拥有更多的定价自主权,定款定价空间扩大,商业银行必然面临竞争加剧、净利差缩小等新情况。本文论述了目前国内外商业银行定价主要模式以及我国商业银行贷款定价现状,探讨我国目前商业银行定价存在的一些问题。建议运用混合定价策略,对不同类型客户进行定价,并采取树立以客户为中心的服务理念、管理会计信息系统建设、加快人才建设等措施,提高商业银行贷款定价能力。

In the accelerated process of interest rate liberation in China, bank has more pricing power, and the space of loan pricing is boarding. Banks will face with the new situation of intensifying competition and tighter interest margin. This paper represents the main loan pricing mode of Chinese and oversea bank and current situation of Chinese bank in loan pricing, and discusses the problem of loan pricing in Chinese bank. This paper suggests to apply the strategy of pricing of compound to different style customers, proposes Chinese bank should establish customer service sense, strengthen the construction of the management accounting information system and accelerate the development of human resources.