利率市场化下国有商业银行贷款定价问题初探-工商管理专业论文.docxVIP

Abst Abst ract From 1 995 the people’S Bank of China about 95 Time Deepening Interest rate Reform Ptan proposed initially bacic thoughts of the interest rate marketability reform，open up interbank interest rate in 2005，ollr country’S interest rate marketability reform advancement has carried on the entire 1 0 year and the interest rate marketability reform has obtained progressed greatly．According to the need of developing our country economical finance and opening the monetary manet to outside after joining WTO，the People’S Bank defers to the foreign currency,the standard currency,first loans，the deposit after,the deposit first the large quantity long—term jot short-term bacic step，will establish gradually by the market supply and demand decided the financial organ，the loan interest rate level interest rate forms the mechanism，the Central Bank regulates and guides the market rate and it will enable the market mechanism to display the leading role in the financial resources disposition．In 2004，our country interest rate marketability steps out the important two stride：On January 1,expanded the financial instituation loan interest rate fluctuation sector once more；On October 29，has let loose the commercial bank loan interest rate lower limit．Along wim the central bank loan interest rate upper limit let loose on October 29，2004，the commercial bank fixed price independency Can srenthen．The loan fixed price is the commercial bank marketing and the competion important chip，regarding develops the market，enhances business profit，strengthens the customer loyalty all to have the the vital significance，but interest rate marketability reform then srenthens importance of loan fixed price regarding bank，The main goal of the article is through the introduction of modem commercial bank loan fixed 1)rice 1)rice basi c theory of the west commercial bank and our coun町 conlmercial bank’s loan fixed price method embarks，thoroughly analyzes under the interest rate marketability p