论国外贷款定价模式及其对我国商业银行的启示

国外银行贷款定价方法主要有成本相加法、价格领导法、客户盈利性分析法等三种模式。由于长期的利率管制,我国商业银行的贷款定价管理十分薄弱,主要体现为①贷款定价未被纳入信贷决策机制中;②缺乏定量化的定价系统;③利率浮动的幅度未能反映借款人的信用水平及贷款项目的风险程度。因此,在利率市场化进程中,我国商业银行应逐步建立包含政策框架、价格审批、定价模型以及风险评价系统、管理信息系统在内的贷款定价体系。

Study on Foreign Loan Pricing Methods and Its Enlightenment to Domestic Commercial Banks

Cost-plus Loan Pricing, Price Leadership, and Customer Profitability Analysis are the three main methods of loan pricing in foreign banks. Been restricted on interest rate for long time, the domestic commercial banks are all weak in loan pricing, such as (1)The loan pricing not been involved in the decision mechanism of credit; (2) Lacking of risk price ration system; (3) Mismatching between the interest rate and the risk of the loan items. In the course of interest rate liberalization, Chinese commercial banks shall establish an optimal loan pricing mechanism, including the policy frame, price examination, risk evaluation system, MIS and the pricing patterns.