贷款定价的核心是如何确定贷款利率。本文从贷款定价问题的实质出发,运用金融专业逻辑,探讨依据贷款风险确定贷款利率的思路。通过推导建立了利率确定的定量模型。对照发现,这个模型与Merton模型完全一致,从而进一步证实了这个模型的正确性。在探讨过程中也对目前金融领域的若干误解进行了更正。 The core of loan pricing is how to determine the loan interest rate. Based on the essence of the problem of loan pricing, this paper uses the logic of finance to discuss the idea of ​​determining the loan interest rate according to the loan risk. Through derivation, a quantitative model of interest rate determination was established. The control found that this model is completely consistent with the Merton model, which further confirms the correctness of this model. In the course of the discussion, some misunderstandings in the financial field have also been corrected.