中小商业银行贷款定价问题探讨.docVIP

PAGE IPAGE 17 2010届毕业生毕业论文题 目: 中小商业银行贷款定价问题探讨 学院名称： 年级专业： 学生姓名： 学 号： 指导教师： 教师职称： 2010年摘 要随着我国利率市场化改革的推进,商业银行贷款定价的自主权逐步扩大,贷款价格确定是否合理对商业银行经营战略的实施具有重要的现实意义。因此,贷款定价研究是商业银行战略发展中必须重视的问题。本文首先从存贷款利差小，盈利水平低，地下式的贷款“自主定价”屡见不鲜等方面论述了我国贷款定价的现状，并分别从内外部环境两方面对我国贷款定价进行分析，最后，针对上述分析，从定价原则、定价内容、贷款定价流程设计等方面建立符合我国商业银行贷款定价的模型——客户风险收益模型，并从建立银行资金成本测量和货币市场资金跟踪系统，建立客户资源信息系统，建立信用风险评价体系，科学测量贷款风险水平等五方面建立科学、合理的贷款定价体系。关键词：中小商业银行 贷款定价 利率市场化 Title：Discussing about Loan Pricing of Small and Medium sized commercial banks Abstract With the advance of our country’s interest rate market reform, commercial banks has got more power of pricing loan. Whether the loan-price is reasonable or not, it is important for commercial banks to implement its business strategy. This article puts forward basic idea for the commercial banks to decide the loan price. The article firstly discusses our country’s loan pricing at present from the small deposit and loan spreads, low profitability, underground type of loan and self-pricing common aspects etc. And then analyze loan pricing in our country from internal and external environment. Finally, in allusion to the above analysis, establish a Commercial Bank loan pricing model —customers risk return model which is fit for our country from these aspects such as the pricing principles, pricing content and process design. At the same time, I am specific on how to establish a scientific and reasonable loan pricing system from the five aspects, including the establishment of a bank capital cost measurement, the establishment of money market funds measurement and tracking system, the establishment of Customer Resource Information System, the establishment of a credit risk evaluation system and how to measure the credit risk levels scientifically.Keywords：Small and medium sized commercial banks Loan pricing Marketing exchange ra