LPR推行背景下中小商业银行贷款定价问题研究

Research on Loan Pricing of Small and Medium-Sized Commercial Banks Under the Background of LPR Implementation

2019年8月,央行启动贷款市场报价利率(LPR)改革,完成了贷款端“利率并轨”工作,商业银行贷款定价实现全面转型,实现自主定价。国民经济持续增长,利率市场化改革迈向了一个新的台阶,充分发挥LPR在实际利率形成过程中的引导作用,为商业银行的发展奠定坚实的基础。论文以LPR改革进程为背景,介绍LPR机制以及该制度实施前后对中小商业银行、宏观经济的影响,对我国商业银行利率定价机制、转型策略以及风险管理机制进行探讨并提出建议。

In August 2019,the People's Bank of China launched the reform of loan market quoted interest rate(LPR),completed the"interest rate convergence"work of the loan end,and commercial banks have realized a comprehensive transformation of loan pricing,realizing independent pricing.The national economy continued to grow,and the interest rate liberalization reform stepped to a new level.LPR was given full play to its guiding role in the formation of real interest rates,laying a solid foundation for the development of commercial banks.Based on the LPR reform process,this paper introduces the LPR mechanism and its impact on small and medium-sized commercial banks and the macro economy before and after the implementation of the system,discusses the interest rate pricing mechanism,transformation strategy and risk management mechanism of China's commercial banks and puts forward suggestions.