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随着经济一体化进程的加快,银行业竞争日益激烈,如何对贷款进行科学合理的定价是银行长期以来颇感困扰的问题。我国贷款定价体系并不完善,研究贷款定价模型并将其应用于我国商业银行贷款管理实践具有重要的理论与现实意义。本文探讨有关贷款定价活动中的基本概念及其应当遵守的原则。本文提出的相关定价策略,将试图为我国商业银行建立切实合理的贷款定价体系提供参考。
With the acceleration of the process of economic integration and the increasingly fierce competition in the banking sector, how to price the loans scientifically and reasonably has long plagued the banks. China’s loan pricing system is not perfect, research loan pricing model and its application in China’s commercial bank loan management practice has important theoretical and practical significance. This article explores the basic concepts in loan pricing activities and the principles they should follow. The pricing strategy proposed in this paper will try to provide a reference for China’s commercial banks to establish a realistic and reasonable loan pricing system.