【摘要】：貸款產(chǎn)品定價(jià)是商業(yè)銀行應(yīng)對(duì)內(nèi)外部經(jīng)營(yíng)環(huán)境的必然要求。貸款產(chǎn)品定價(jià)是伴隨著利率市場(chǎng)化、金融脫媒和同業(yè)競(jìng)爭(zhēng)加劇而出現(xiàn)的一種先進(jìn)的管理工具,且發(fā)揮著日益重要的作用。與一些大型股份制商業(yè)銀行相比,LJ銀行的貸款產(chǎn)品定價(jià)尚處于不斷摸索、不斷總結(jié)經(jīng)驗(yàn)的起步階段,通過(guò)對(duì)國(guó)內(nèi)外文獻(xiàn)的查閱,掌握貸款產(chǎn)品定價(jià)的發(fā)展階段及不同發(fā)展階段使用的定價(jià)模型,影響因素等。結(jié)合LJ銀行現(xiàn)狀,對(duì)比現(xiàn)行使用的貸款產(chǎn)品定價(jià)模型處于哪個(gè)發(fā)展階段,存在哪些不足之處。通過(guò)對(duì)相關(guān)金融機(jī)構(gòu)調(diào)研分析,研究其他地方制股份制商業(yè)銀行貸款產(chǎn)品定價(jià)體系建設(shè)的構(gòu)思,構(gòu)建新的貸款產(chǎn)品定價(jià)模型各管理方式。通過(guò)與同行業(yè)專業(yè)人員溝通,了解其貸款產(chǎn)品定價(jià)管理職責(zé)分工、業(yè)務(wù)處理流程是否完善,配套設(shè)施建設(shè)是否滿足管理需要等。通過(guò)權(quán)重法計(jì)算風(fēng)險(xiǎn)加權(quán)成本重要組成因素之一的信用風(fēng)險(xiǎn)成本,具體權(quán)重值根據(jù)巴塞爾協(xié)議中明確的各項(xiàng)指標(biāo)數(shù)據(jù)。通過(guò)初級(jí)法計(jì)算風(fēng)險(xiǎn)成本中多種抵質(zhì)押品的違約損失率,分別以金融質(zhì)押品、商用及居住用房地產(chǎn)、其他抵質(zhì)押品等的計(jì)算方式。制定出全成本核算的貸款產(chǎn)品定價(jià)模型,實(shí)現(xiàn)對(duì)資金成本、運(yùn)營(yíng)成本、風(fēng)險(xiǎn)成本、資本成本的核算。貸款產(chǎn)品定價(jià)管理還需對(duì)制度體系的建設(shè),以制度指導(dǎo)業(yè)務(wù)發(fā)展。明晰各部門、各崗位人員職責(zé),設(shè)定牽頭部門負(fù)責(zé)以協(xié)調(diào)各業(yè)務(wù)部門間工作,達(dá)到相互配合提高工作效率的目的。梳理業(yè)務(wù)流程,將能簡(jiǎn)化的流程簡(jiǎn)化,提高業(yè)務(wù)處理效率。同時(shí),人員體系需逐步完善,并強(qiáng)化業(yè)務(wù)人員內(nèi)外部培訓(xùn)。將貸款產(chǎn)品定價(jià)作為績(jī)效考核依據(jù)之一,與個(gè)人收益掛鉤,使貸款產(chǎn)品定價(jià)更具執(zhí)行力。本文的探討和研究,為貸款產(chǎn)品定價(jià)管理在全行推廣,價(jià)格的合理性、各項(xiàng)功能的發(fā)揮,對(duì)業(yè)務(wù)的引導(dǎo)和支持等,進(jìn)而提升全行整體經(jīng)營(yíng)管理水平,起到了至關(guān)重要的作用。
[Abstract]:The pricing of loan products is an inevitable requirement for commercial banks to deal with the internal and external operating environment. The pricing of loan products is an advanced management tool with the interest rate marketization, financial disintermediation and industry competition intensified, and plays an increasingly important role. Compared with some large joint-stock commercial banks, the pricing of loan products of LJ Bank is still in the initial stage of summing up its experience. Master the pricing models and influencing factors of loan product pricing. According to the current situation of LJ Bank, this paper compares the current pricing model of loan products in which stage of development and what shortcomings. Through the investigation and analysis of relevant financial institutions, this paper studies the conception of the construction of loan product pricing system in other local joint-stock commercial banks, and constructs the new loan product pricing model. Through communication with the same industry professionals to understand its loan product pricing management responsibilities division of labor, business processing process is perfect, supporting facilities to meet the needs of management, etc. The credit risk cost, which is one of the important components of the risk weighting cost, is calculated by the weight method, and the specific weight value is based on the specific index data in the Basel Accord. The default loss rate of many kinds of hypothecation in the risk cost is calculated by primary method, which is calculated by financial pledge, commercial and residential real estate, other hypothecation, etc. The pricing model of loan products with full cost accounting is established to realize the accounting of capital cost, operation cost, risk cost and capital cost. Pricing management of loan products also needs the construction of institutional system to guide the development of business. Clarify the responsibilities of each department and position, set up the lead department to coordinate the work between the business departments, and achieve the goal of improving the efficiency of each other. Comb business process, will be able to simplify the process simplification, improve the efficiency of business processing. At the same time, the personnel system needs to be gradually improved, and strengthen the internal and external training of business personnel. The pricing of loan products is regarded as one of the basis of performance appraisal, which is linked with personal income to make the pricing of loan products more effective. The discussion and research of this paper play an important role in promoting the pricing management of loan products in the whole bank, the rationality of price, the exertion of various functions, the guidance and support of the business, and the promotion of the whole management level of the whole bank.
【學(xué)位授予單位】：哈爾濱理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2016
【分類號(hào)】：F832.4

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