贷款定价就是确定贷款的利率,贷款定价涉及许多因素,诸如市场利率,借款人的信用等级,及其与银行的关系等。合理进行贷款定价,准确地反映借款人的风险是减少借款人逆选择的重要途径,也是弥补银行风险损失,保证银行利润的关键。虽然现阶段我国商业银行受计划利率的限制还不能采用贷款定价的方法,但是笔者相信,利率市场化是金融改革和金融深化的必然趋势,提前进行贷款定价的研究将有助于商业银行做到有备无患。本文将要介绍的风险调整定价模型,不仅能够准确定价,而且为准确评价各部门,各员工的工作业绩提供了一个相对科学客观的标准,对管理效率的提高有重要作用。 Loan pricing is to determine the loan interest rate, loan pricing involves many factors, such as market interest rates, the borrower’s credit rating, and its relationship with the bank. Reasonably carrying out loan pricing and accurately reflecting the risk of the borrower is an important way to reduce the adverse selection of the borrower. It is also the key to make up for the bank risk loss and guarantee the bank profit. Although the commercial banks in our country are limited by the planned interest rate at this stage, we can not adopt the method of loan pricing. However, I believe that the marketization of interest rate is an inevitable trend of financial reform and financial deepening. Studying loan pricing in advance will help commercial banks Be prepared This article will introduce the risk adjustment pricing model, not only accurate pricing, but also to accurately assess the performance of various departments and staff performance provides a relatively scientific and objective criteria, to improve management efficiency plays an important role.