当前,随着利率市场化的不断推进,利率的浮动以及利率市场化程度的提高,对银行的风险控制和定价管理能力提出了新的挑战。在新的利率政策框架下,建立和完善竞争环境下的贷款风险定价机制,并以此不断提高商业银行风险管理和价值创造能力,已经成为商业银行提高核心竞争能力的重要举措. At present, with the continuous marketization of interest rates, the floating of interest rates and the marketization of interest rates, new challenges are posed to the bank’s risk control and pricing management capabilities. Under the framework of the new interest rate policy, setting up and perfecting the loan risk pricing mechanism under the competitive environment and continuously improving the risk management and value creation ability of commercial banks have become important measures for commercial banks to enhance their core competitiveness.