我国商业银行贷款定价模型设计

我国商业银行由于内部缺少贷款定价管理监督体制，没有科学的贷款定价计量公式，成本和风险对贷款定价的约束力降低，造成国内商业银行之间价格战加剧，违规操作增加，信贷风险加大，银行经营效益降低。本文从信贷市场实际情况出发，针对我国商业银行贷款定价现状和存在问题，试图通过在商业银行内部建立贷款定价的计量公式和贷款定价管理体制，从成本和风险管理的角度来降低商业银行信贷风险，提高经营效益，增强商业银行竞争力。最终结论就是银行应该兼顾银行和企业的情况，既要注意本行贷款的成本和承担的风险，也要照顾到企业给银行的带来的综合收益。

Model Researching of Pricing of Loan of Our Commercial Bank

Our commercial bank have no system of management and monitor of pricing of loan,so this result in manyoutcome,such as absence of scientic measure formula,reducing of sanction of pricing of loan,increasing of price competing among domestic commercial bank,adding of get-ting out of line,increasing of risk of loan and falling of benefit of bank work.This paper think about real condition of loan market,I try to construct measure formula system of management of pricing of loan in commercial bank to reduce risk o...