利率市场化条件下我国商业银行贷款定价的研究.pdfVIP

目录 4.2 我国商业银行贷款定价典型案例 41 4.2.1 基层银行尚未建立定价模式41 4.2.2 大银行贷款定价雏形基本形成44 国家开发银行对中小客户贷款定价方法44 农行扬州分行对大型客户贷款定价方法47 5 我国商业银行贷款定价的制约因素及对策建议 50 5.1 我国商业银行贷款定价制约因素 50 5.1.1 缺乏基准利率的形成机制50 5.1.2 成本核算体系不健全51 5.1.3 信用风险定价能力弱51 5.1.4 银行管理信息系统不健全51 5.1.5 基层商业银行缺乏自主定价能力52 5.1.6 信息不对称影响贷款定价机制形成52 5.2 提高我国商业银行贷款定价水平的相关建议 53 5.2.1 加快基准利率的培育 53 5.2.2 完善成本核算体系54 5.2.3 提高信用风险定价能力54 5.2.4 健全风险核算信息系统55 5.2.5 培养行基层银行的自主定价能力55 5.2.6 建立借款人信息披露制度55 6 结语 56 6.1 主要结论 56 6.2 有待完善之处 57 参考文献 58 后记 61 攻读学位期间取得的研究成果 62 2 CONTENTS CONTENTS Chinese Abstract 5 English Abstract 6 1 Introduction 7 1.1 Background and significance of the study 7 1.2 Research at home and abroad 8 1.3 Research on the content and structure of thesis 12 2 The overview of commercial bank loan pricing 14 2.1 The basic theory Loan Pricing 14 2.2 The basic principles of Loan Pricing 16 2.3 The main impact of loan pricing factors in Western Commercial Bank 17 2.4 The main method of loan pricing 20 2.4.1 Cost-plus pricing 20 2.4.2 Pricing price leadership 21 2.4.3 Contribute to pricing based on customer 22 3 Chinas commercial banks to choose the model of loan pricing 23 3.1 The Category based line of credit to borrowers 23 3.2 The camera choice pricing model of costs and market 24 3.2.1 The simple cost estimate 25 3.2.2 Benchmark interest rate options 25 3.2.3 Mapping credit rating28 3.2.4 Rate of return regulation 29 3.3 The pricing model based on customer contribution 30 3.3.1 Total income customers