| 利率市场化进程中的中国商业银行贷款定价 |
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| 引用本文： | 李兴法,闫俊.利率市场化进程中的中国商业银行贷款定价[J].大连海事大学学报(社会科学版),2007,6(2):93-96. |
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| 作者姓名： | 李兴法 闫俊 |
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| 作者单位： | 1. 东北财经大学,数学与数量经济学院,辽宁,大连,116025
2. 北京中兴宇会计师事务所辽宁分所,辽宁,大连,116001 |
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| 摘 要： | 随着中国利率市场化进程的不断推进,商业银行贷款定价也趋于市场化。如何建立贷款定价机制,制定合理的贷款价格是各商业银行提高市场竞争力和增加赢利能力的主要手段之一。从中国利率市场化改革进程及对商业银行贷款定价的影响入手,着重分析中国商业银行贷款定价的现状、特点及存在的问题,并结合实际对中国商业银行贷款定价存在的问题提出相应的政策建议。
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| 关 键 词： | 利率市场化 商业银行 贷款定价 |
| 文章编号： | 1671-7031(2007)02-0093-04 |
| 修稿时间： | 2007年1月20日 |
Chinese commercial bank loan pricing under free market determined interest rate condition |
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| LI Xing-fa,YAN Jun.Chinese commercial bank loan pricing under free market determined interest rate condition[J].Journal of Dalian Maritime University:Social Science Edition,2007,6(2):93-96. |
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| Authors: | LI Xing-fa YAN Jun |
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| Abstract: | Along with the progress of interest rate reform in China's financial market,the commercial bank loan pricing market has been emerged.Thus,how to establish a loan pricing mechanism that can be used for making appropriate loan prices has become one of the most important instruments for strengthening the commercial bank's market competitiveness and improving its capability of profit making.This paper starts from analyzing the effect of the Chinese financial market reform on the commercial bank loan pricing.In combination with some actual examples,the paper addresses issues associated with the current Chinese commercial bank's conditions,characteristics,as well as its existing problems,and from which some policy suggestions are proposed accordingly. |
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| Keywords: | marketing interest rate commercial bank loan pricing |
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