国有商业银行公司客户贷款定价机制探讨.pdfVIP

要 在现阶段我国国有商业银行经营管理中具有贷款占资产比例高、对利润贡献 程度高的共同特征，从而决定了贷款定价在信贷经营中的重要地位;在中国加入 WTO 后，随着银行业市场的对外开放、利 市场化改革的深化，央行更加规范监 管要求，我国商业银行贷款定价工作凸显出重要性和必要性。通过建立贷款定价 管理体系，商业银行可以通过贷款定价的合理性，来实现国有商业银行的风险控 制目标和财务管理目标，以保障国有商业银行的稳健经营。 论文通过对国有商业银行贷款现有定价方法的分析，阐述了国有商业银行贷 款定价工作的主要缺陷在于贷款定价依据的欠缺、财务目标导致的短期行为以及 现有的贷款定价管理体系;讨论了国有商业银行现有定价方法造成了贷款投向集中 和考核体系复杂繁琐，以及它对银行稳健经营的影响; 同时，长期以来的利 管制和银行机制不健全，以及组织内部缺乏沟通、信 息技术发展滞后等因素直接造成了目前的困 。 最后，论文通过讨论提出了国有商业银行完善贷款定价的思考:选择合适的 定价公式、建立有效的定价基础数据体系，意在完善现有的定价管理体系，希望 对国有商业银行提高信贷管理水平、培养核心竞争力有所帮助。 关键词： 商业银行管理 贷款定价 1 Abstract For china state commercial bankers, pricing loans is important because of the common factors that the ratio of loans to total assets and the profitability of loans is bigger than others in domestic commercial bank management. During of opening bank market, deregulating interest rate and central bank more strictly supervising, making rational price of loans is necessary and important. By way of rational pricing loans, china commercial banks can realize profit obj ective and risk obj ective. After analyzing china state commercial bankers business loans current pricing method, the dissertation evaluate outstanding defects, including lack of pricing basis, distorted activity by stress of short-range financial require and current pricing loans management frame. Under the influence of china state commercial bankers busyness loan wrong current pricing method，the dissertation analyze that loans is concentrated, credit management is complicated and bank reserves is eroded. Later, the dissertation appraise unsuccessful reason that the omission of strategy, no communication in management structure and lag management information system to pricing loans are directing cause.