基于利率市场化的商业银行贷款定价影响因素实证研究-金融学专业论文.docxVIP

Abs仃actCommercial Abs仃act Commercial bank loans，as the main business asset pricing，is reasonable or not directly related to the commercial bank management and the whole competitiveness．At present,the reform of interest rate marketization has been steadily implemented，with the bank opening market to the outside world for its independent loan pricing，and it provides a solid macroeconomic environment conditions and institutional background．Since October 23，201 5， the central bank announced the liberalization of deposit interest rate ceiling，China’S regulation on the interest rate market has been basically liberalized，the implementation of nearly 20 years，the interest rate market has been completed．Of course，the interest rate market and the end of an era，not on the contrary，it is the beginning of a new era，in the new stage，commercial banks are facing greater challenges，but also will usher in greater opportunities． Firstly,from the market interest rate of angle of the background of the cut，through the use of comparative analysis method，analysis of market—oriented interest rate of loans and the different influencing factors，according to”choose change factors，factors change reasons and for these changes it for the commercial banks to make countermeasures to deal with the idea to early on a research．In the influencing factors，the selection of the cost of capital，market competitiveness，commercial banks’profitability,commercial banks intermediate business development degree，assets scale and the opportunity cost of capital is the six angle to carry on the analysis．Time．selected the third quarter of 20 1 3 to the mird quarter of 20 1 5 1 7 quarter data．Using Eviews software to establish the panel data model，according to the empirical results，the deposit interest rate，earnings per share rate,market competitiveness and the opportunity cost of the four factors of loan pricing of commercial banks has significant influence；non-performing loans ratio of commercial banks intermediat