随着社会经济的不断发展,各行各业都在不断改革,金融系统也不例外。我国利率市场化的不断深入,使商业银行对贷款业务具有更大的定价权。而基准利率是贷款定价的重要参考标准。对于商业银行而言,贷款定价既要实现预期的盈利目标,又要吸引更多的贷款客户,因此,探究如何合理进行贷款定价是商业银行值得深思的问题。 With the continuous development of social economy, all walks of life are constantly reforming and the financial system is no exception. The deepening of marketization of interest rates in our country has enabled commercial banks to have greater pricing power over the loan business. The benchmark interest rate is an important benchmark for loan pricing. For commercial banks, the pricing of loans should not only achieve the expected profit target but also attract more loan customers. Therefore, exploring how to reasonably conduct loan pricing is a question worth pondering by commercial banks.