| 贷款定价理论与实践探讨 |
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| 引用本文： | 方晓燕.贷款定价理论与实践探讨[J].价值工程,2006,25(4):123-126. |
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| 作者姓名： | 方晓燕 |
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| 作者单位： | 安徽大学经济学院,合肥,230039 |
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| 摘 要： | 西方的利率决定理论和信贷配给理论在我国或缺乏生存环境或遭遇变异,推动贷款定价理论发展的金融市场又不发达。银行方面资金闲置、盈利困难、风险增大,企业方面资金短缺、成本居高、发展受限,我国银行贷款定价陷入理论和现实双重困境。本文主要目的是通过比较研究为改进我国商业银行贷款定价提供理论依据并对贷款定价计算公式作详细阐述。
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| 关 键 词： | 贷款定价 利率决定 信贷配给 预期损失 |
| 文章编号： | 1006-4311（2006）04-0123-04 |
On the Theory and the Practice of Loan Pricing |
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| Fang Xiaoyan.On the Theory and the Practice of Loan Pricing[J].Value Engineering,2006,25(4):123-126. |
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| Authors: | Fang Xiaoyan |
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| Institution: | School of Economics, Anhui University, Hefei 230039, China |
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| Abstract: | it is difficult for western theories of interest decision or credit rationing to utilize in our country. Presently, our Loan pricing takes many problems to banks and companies. The main purpose of this article is to suggest a theoretical support for our banks to improve loan pricing, but also specify the details to compute the loan pricing, which is rather complicate. |
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| Keywords: | loan pricing interest decision credit rationing expect loss |
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