一、问题的提出贷款定价对外是银行与客户商定贷出资金价格的行为,对内是对资产运作风险和预期收益的控制性活动,要使银行的经营高效率、低风险,适应利率市场化的要求,就必须建立切实可行、行之有效的资金定价与调整机制。贷款利率是贷款价格的重要组成部分,商业银行对贷款进行 First, the problem raised Loan pricing is the bank and the customer agreed to lend the price of funds behavior, the internal control of the assets of operational risk and the expected benefits of control activities, to make the bank’s operation of high efficiency, low risk, market-oriented interest rates The need to establish a viable and effective funding pricing and adjustment mechanism. Loan interest rates are an important part of the loan price, and commercial banks make loans