交通银行上海分行贷款定价研究.pdfVIP

论文摘要 论 文 摘 要 长期以来，贷款定价问题一直是中国商业银行面临的主要难题之一。随着我国 国有商业银行改革的深入，利率市场化进程的加快，银行间行业竞争日趋激烈，贷 款定价方法与策略已成为商业银行竞争的一个重要法宝，贷款定价能力已成为商业 银行不容置疑的核心竞争力。 本文首先从贷款定价相关的理论出发，介绍了贷款定价的基本原理、影响因素、 基本原则，重点分析了目前贷款定价中较为普遍的成本相加定价模式、基准利率加 点模式和客户盈利分析模式的三种贷款定价模式，且对上述三种定价模式进行了对 比。 其次，本文对交通银行上海分行目前贷款定价管理现状进行了分析，结合相关 数据比较，指出了目前交通银行上海分行贷款定价存在的问题。 最后在对交通银行香港分行贷款定价的经验借鉴后，提出了对交通银行上海分 行贷款定价的三种改进方案：风险调整的资本收益率定价、内部资金转移定价和客 户盈利能力分析定价，且在上述三种方案的基础上，提出了适合交通银行上海分行 新的贷款定价模型。 关键词：贷款定价，定价模式，交通银行上海分行 I Abstract Abstract For a long time, loan pricing has been one of the main challenges faced by Chinas commercial banks. As the reform of Chinas state-owned commercial banks deepens, the process of marketization of interest rates speeds up, the competition among banks has turned more and more fierce. Loan pricing method and strategy has become a magic weapon in the competition and without doubt, loan pricing capability has become the core competence of a commercial bank. The research of this article started from loan pricing theory by introducing the basic theory and principles of loan pricing, factors influencing loan pricing. Then, the study focuses on 3 most commonly adopted loan pricing models, i.e. cost plus pricing model, price leadership pricing model and customer profitability analysis pricing model. The author analyzed and compared these three models. The author then analyzed current management status of loan pricing of Bank of Communications Shanghai Branch , pointed out problems in current loan pricing process through data comparison. Finally, after absorbing best practices of Bank of Communication