利率市场化下商业银行贷款定价研究
毕业论文关键词：商业银行 贷款定价 利率
The loan pricing research of commercial bank Under the marketization of interest rate
Abstract: Credit business has always been the main business of commercial Banks in China, and The loan pricing is a key link in the process of loan business. Especially in the backdrop of the marketization of interest rate, To determine the price of more scientific and reasonable loan about the commercial bank to stand out in the increasingly competitive credit market, and achieve Sustainable management. Currently exist in the credit market all kinds of theories and models of loan pricing. But due to the loan interest rate in China has been under strict control, and the ability of loan pricing is very poor. When determining the price of a loan, commercial Banks usually considers a few factors.Most of them are centered on the cost of capital. So commercial Banks should be based on the specific situation in our country to study the influence factors of loan pricing, improve the ability of cost management, establish a complete management system of loan pricing and Constantly improve the loan pricing mechanism。
Key Words：commercial bank, loan pricing, rate
目录
一、引言 1
（一）研究背景与意义 1
（二）文献综述 5
（三）研究思路和方法 8
二、我国商业银行贷款定价问题分析 8
（一）利率敏感性低，缺乏价格弹性 9
（二）基准利率缺乏有效的形成机制 9
（三）科学合理的定价机制不健全 9
（四）风险衡量的意识淡薄 10
三、商业银行贷款定价因素分析 10
（一）贷款定价原则 10
（二）贷款价格的影响因素分析 11
（三）影响因素实证分析 15
四、研究结论与政策建议 19
（一）研究结论 19
（二）政策建议 20
参考文献 23
一、引言
（一）研究背景与意义
1.研究背景
自新中国成立以来，中国一直实行的是管制利率，即中央政府确定存贷款的基准利率以及可以的浮动范围，商业银行贷款只可以服从基准利率或者最多基准利率为基础作细微调整，同时对于贷款利息以外的收费，中国人民银行也做了相当严格的限制，一般不允许收取其他费用。在这样的情况下，商业银行在贷款定价方面就有很窄的变动空间。然而随着社会主义市场经济的深入发展，这种定价模式已经越来越不能适应经济的发展，特别是对金融市场的深入发展极为不利，利率市场化由此应运而生。自20世纪90年代中期开始，政府便把利率市场化改革提上了日程，而且随着中国加入世贸组织和金融市场的蓬勃发展，改革的步伐也在不断加快，这预示着着商业银行在贷款定价方面将会有更多的自主权，即将成为贷款定价的主体。
西方国家的利率市场化改革要比我国早的多，相关理论、模型也相对成熟。理论主要有资产负债理论、凯恩斯流动性偏好理论、IS-LM模型分析理论、资产定价理论、利率决定理论、巴塞尔协议等等。
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