| 适应利率市场化发展要求,积极探索贷款定价模式 |
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| 引用本文： | 张轩.适应利率市场化发展要求,积极探索贷款定价模式[J].首都经济贸易大学学报,2005,7(2):79-81. |
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| 作者姓名： | 张轩 |
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| 作者单位： | 广东发展银行北京分行,北京,100005 |
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| 摘 要： | 随着利率市场化进程的加快,如何科学、合理的进行贷款定价成为商业银行迫切需要解决的一个课题。本文在对国外常用的贷款定价方法进行简单分析比较后,从实际出发,提出目前适用于我国商业银行的,以风险为主,兼顾收益的一套贷款定价方法及其相关配套措施。
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| 关 键 词： | 利率市场化 贷款定价 |
| 文章编号： | 1008-2700(2005)02-0079-03 |
| 修稿时间： | 2005年1月18日 |
Interest Rate Marketlization Needs Deep Research on the Loan Interest Rate Mode |
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| ZHANG Xuan.Interest Rate Marketlization Needs Deep Research on the Loan Interest Rate Mode[J].Journal of Capital University of Economics and Business,2005,7(2):79-81. |
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| Authors: | ZHANG Xuan |
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| Institution: | ZHANG Xuan Beijing Branch,Guangdong Development Bank,Beijing 100005,China |
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| Abstract: | the most urgent subject for commercial bank is how to fix loan interest rate in current speedy marketlized situation. After analysis and comparision those popular loan interest rate models used abroad, below put forward a set of loan interest rate model and matched measures which is focus on risk avoiding and benefit getting and is quite applicable to commercail bank in China. |
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| Keywords: | interest rate marketlization loan interest rate |
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