| 基于客户关系的商业银行贷款定价研究 |
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| 引用本文： | 朱向华. 基于客户关系的商业银行贷款定价研究[J]. 江苏科技大学学报(自然科学版), 2006, 6(1): 51-55 |
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| 作者姓名： | 朱向华 |
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| 作者单位： | 江苏科技大学,经济管理学院,江苏,镇江,212003 |
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| 基金项目： | 镇江市科技计划“市场经济条件下金融理财产品研究”(2005G003) |
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| 摘 要： | 从我国商业银行现有定价能力入题,在借鉴西方商业银行帐户利润分析理论的基础上,提出我国商业银行的贷款定价模型———客户关系定价模型。此模型从银行和客户的整体关系入手,分析了客户给商业银行带来的包括贷款利息在内的总收入的构成以及银行为客户提供服务的总成本计算,以此为基础来确定贷款价格。
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| 关 键 词： | 商业银行 贷款 客户关系定价 |
| 文章编号： | 1673-0453(2006)01-0051-05 |
| 修稿时间： | 2005-08-28 |
Study on Commercial Bank's Loan Pricing Based on Customer Relationship |
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| ZHU Xianghua. Study on Commercial Bank's Loan Pricing Based on Customer Relationship[J]. Jiangsu University of Science and Technology:Social Science Edition, 2006, 6(1): 51-55 |
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| Authors: | ZHU Xianghua |
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| Abstract: | This paper discusses Chinese bank's loan pricing method and some existing problems.Based on the western theory of account profit analysis the paper designs the customer relationship pricing model which is available to Chinese banks.This model emphasizes the relationship between banks and customers.It points out that the loan price consists of three parts:money brought by customers,the cost spent on providing service for customers and the bank's target profit decided by the bank's administrative department. |
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| Keywords: | commercial bank loan pricing on customer relationship |
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