技术经济与管理研究
技術經濟與管理研究
기술경제여관리연구
TECHNOECONOMICS & MANAGEMENT RESEARCH
2015年
3期
91-95
,共5页
商业银行%贷款定价%贷款利率%信贷市场
商業銀行%貸款定價%貸款利率%信貸市場
상업은행%대관정개%대관리솔%신대시장
Commercial bank%Loan price%Interest rate of the loan%Credit market
随着我国信贷市场利率市场化的发展，贷款定价已成为商业银行市场竞争的关键性策略。西方商业银行的贷款定价模式主要有成本加成定价模式、基准利率加点定价模式和客户盈利分析模式。本研究在贷款定价现状分析、利率市场化进程分析、贷款定价基础理论解析和贷款定价模式解析的基础上，指出我国商业银行贷款定价存在的主要问题是定价方式随意性较大、风险和收益之间缺乏匹配、贷款定价机制僵化、贷款定价的业务数据不足、贷款成本管理滞后和贷款定价机制缺乏，认为我国商业银行贷款定价的主要深化策略是确定内部资金转移价格、构建信贷风险评价体系、建立运营成本分摊系统、构建贷款定价信息系统、构建科学的贷款定价激励机制。我国商业银行贷款定价机制的构建不仅需要立足于本国信贷市场的具体环境，也要充分借鉴西方商业银行的贷款定价经验，才能逐步达到预期的目标。
隨著我國信貸市場利率市場化的髮展，貸款定價已成為商業銀行市場競爭的關鍵性策略。西方商業銀行的貸款定價模式主要有成本加成定價模式、基準利率加點定價模式和客戶盈利分析模式。本研究在貸款定價現狀分析、利率市場化進程分析、貸款定價基礎理論解析和貸款定價模式解析的基礎上，指齣我國商業銀行貸款定價存在的主要問題是定價方式隨意性較大、風險和收益之間缺乏匹配、貸款定價機製僵化、貸款定價的業務數據不足、貸款成本管理滯後和貸款定價機製缺乏，認為我國商業銀行貸款定價的主要深化策略是確定內部資金轉移價格、構建信貸風險評價體繫、建立運營成本分攤繫統、構建貸款定價信息繫統、構建科學的貸款定價激勵機製。我國商業銀行貸款定價機製的構建不僅需要立足于本國信貸市場的具體環境，也要充分藉鑒西方商業銀行的貸款定價經驗，纔能逐步達到預期的目標。
수착아국신대시장리솔시장화적발전，대관정개이성위상업은행시장경쟁적관건성책략。서방상업은행적대관정개모식주요유성본가성정개모식、기준리솔가점정개모식화객호영리분석모식。본연구재대관정개현상분석、리솔시장화진정분석、대관정개기출이론해석화대관정개모식해석적기출상，지출아국상업은행대관정개존재적주요문제시정개방식수의성교대、풍험화수익지간결핍필배、대관정개궤제강화、대관정개적업무수거불족、대관성본관리체후화대관정개궤제결핍，인위아국상업은행대관정개적주요심화책략시학정내부자금전이개격、구건신대풍험평개체계、건립운영성본분탄계통、구건대관정개신식계통、구건과학적대관정개격려궤제。아국상업은행대관정개궤제적구건불부수요립족우본국신대시장적구체배경，야요충분차감서방상업은행적대관정개경험，재능축보체도예기적목표。
With the development of credit market of the marketization of interest rate in china, loan price has become a key strategy for commercial bank in market competition. Western commercial bank loan price model mainly contains the cost-plus pricing model , the benchmark interest rate plus pricing model and the customer profitability analysis model. In this paper, on the basis of the analysis of loan price status, interest rate marketization process, basic theory of loan price and loan price model, the authors pointed out that the main problems of Chinese commercial bank loan price are pricing randomness, lack of matching between risk and revenue, rigid loan price mechanism, insufficient business data of loan price, lagged loan cost management and lack of loan price mechanism, and found out that the main deepening strategies of domestic commercial bank loan price include determining internal funds transfer pricing, constructing credit risk assessment system, establishing operation cost sharing system, constructing information system of loan price and constructing scientific incentive mechanism of loan price. In general, in order to gradually achieve the expected goal, the construction of pricing mechanism of Chinese commercial bank loan needs not only the specific environment based on the domestic credit market, but also to fully learn loan pricing experience of western commercial bank.
