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商业银行公司贷款定价模型及逻辑实现
引用本文:王化峰,李玲,赵向东.商业银行公司贷款定价模型及逻辑实现[J].辽宁工程技术大学学报(社会科学版),2008,10(2):144-146.
作者姓名:王化峰  李玲  赵向东
作者单位:1. 沈阳航空工业学院,北方科技学院,辽宁,沈阳,110000
2. 辽宁工程技术大学,工商管理学院,辽宁,葫芦岛,125105
3. 中国建设银行阜新分行,风险管理部,辽宁,阜新,123000
摘    要:为了使商业银行进行公司贷款合理定价取得市场竞争优势,通过对商业银行公司贷款定价背景、原则和因素分析,利用帕累托效率和帕累托改进理论,建立了商业银行公司贷款定价模型,提出商业银行公司贷款定价必须把商业银行的基本需求、短期目标和长期利益以及市场供求关系有机地结合起来,最终实现贷款定价帕累托最优。

关 键 词:公司贷款  定价  模型
文章编号:1008-391X(2008)02-0144-03
修稿时间:2008年1月7日

Research on the price of the loan and logic realization in commercial bank
WANG Huafeng,LI Ling,ZHAO Xiangdong.Research on the price of the loan and logic realization in commercial bank[J].Journal of Liaoning Technical University(Social Science Edition),2008,10(2):144-146.
Authors:WANG Huafeng  LI Ling  ZHAO Xiangdong
Institution:WANG Huafeng , LI Ling , ZHAO Xiangdong (1. Northern College of Science and Technology,Shenyang Institute of Aeronautical Engineering, Senyang 110000, China; 2. College Of Business Administration, Liaoning Technical University, Huludao 125105,China; 3. Office of Venture Management,Finxin Branch of China Contruction Bank , Fuxin 123000,China)
Abstract:To make the commercial bank obtain market competitive superiority in fixing reasonable loan price, through analyzing the background of commercial bank loan price, principles and elements, by using Pareto effciency and Pareto improvement theory, a model of commercial bank price loan's built putting forward that the commercial bank must combine the basic demands, short-term objects, long- term benefits and market supply and demand relation, when the commercial bank fixes loan price,making the Pareto optimization of loan price.
Keywords:company loan  fix price  model
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