本文選題：商業(yè)銀行　切入點(diǎn)：貸款定價(jià)　出處：《東北師范大學(xué)》2013年碩士論文

【摘要】：利率市場(chǎng)化為商業(yè)銀行自主定價(jià)準(zhǔn)備了條件，也對(duì)其定價(jià)水平提出了較高的要求。貸款定價(jià)是商業(yè)銀行信貸業(yè)務(wù)中至關(guān)重要的環(huán)節(jié)，關(guān)系到銀行的資產(chǎn)質(zhì)量和盈利水平。貸款定價(jià)上、下限的確定對(duì)于實(shí)現(xiàn)銀行的安全性和盈利性目標(biāo)、保證銀行可持續(xù)經(jīng)營(yíng)和應(yīng)對(duì)市場(chǎng)競(jìng)爭(zhēng)具有重要意義。確定貸款價(jià)格的上、下限能夠?yàn)槲覈?guó)商業(yè)銀行提供一個(gè)可以接受的貸款價(jià)格區(qū)間，銀行在此區(qū)間中確定一個(gè)能夠達(dá)到銀行利潤(rùn)目標(biāo)的理想價(jià)格，以此來(lái)與重要的借款人和競(jìng)爭(zhēng)對(duì)手進(jìn)行談判，從而既保證覆蓋貸款風(fēng)險(xiǎn)和成本，又完成利潤(rùn)目標(biāo)；貸款價(jià)格上下限的確定使得銀行面對(duì)競(jìng)爭(zhēng)對(duì)手的反應(yīng)更加迅速，并且不會(huì)判斷失誤。同時(shí)，貸款定價(jià)上限還可以防范定價(jià)過(guò)高出現(xiàn)逆向選擇和道德風(fēng)險(xiǎn)；通過(guò)對(duì)貸款價(jià)格下限和市場(chǎng)價(jià)格的比較還能夠幫助商業(yè)銀行努力降低自身成本，迎接市場(chǎng)競(jìng)爭(zhēng)的挑戰(zhàn)。 目前國(guó)內(nèi)關(guān)于商業(yè)銀行貸款定價(jià)方面的研究集中在定價(jià)模式和模型方面，在貸款定價(jià)的上下限問(wèn)題的研究上還鮮有研究，偶見(jiàn)描述，，也都是一筆帶過(guò)。本文的主要內(nèi)容就是從貸款定價(jià)上下限的視角來(lái)對(duì)我國(guó)商業(yè)銀行對(duì)公貸款定價(jià)進(jìn)行探究。本文框架如下：第一章是引言，包括相關(guān)概念的解釋說(shuō)明、研究背景和意義、相關(guān)文獻(xiàn)綜述和本文創(chuàng)新點(diǎn)和不足點(diǎn)；第二章是相關(guān)理論回顧；第三章研究了我國(guó)商業(yè)銀行對(duì)公貸款定價(jià)的現(xiàn)狀、現(xiàn)行的定價(jià)方法、存在的問(wèn)題及原因以及確定貸款定價(jià)上下限對(duì)我國(guó)商業(yè)銀行的重要意義；第四章對(duì)我國(guó)商業(yè)銀行對(duì)公貸款定價(jià)上下限進(jìn)行了理論探討及適用性分析；第五章對(duì)于確定我國(guó)商業(yè)銀行對(duì)公貸款定價(jià)上下限的難點(diǎn)進(jìn)行了研究，并給出結(jié)合了貸款定價(jià)上下限的我國(guó)商業(yè)銀行對(duì)公貸款定價(jià)的一般流程，最后以?xún)蓚�(gè)案例進(jìn)行分析。第六章給出了本文的一些結(jié)論及建議。
[Abstract]:Interest rate marketization provides conditions for commercial banks to set their own prices and puts forward higher requirements for their pricing level.Loan pricing is a crucial link in the credit business of commercial banks, which is related to the quality of assets and profitability of banks.On the loan pricing, the determination of the lower limit is of great significance to realize the security and profitability of the bank, to ensure the sustainable operation of the bank and to cope with the market competition.Determining the upper and lower limits of the loan price can provide an acceptable loan price range for the commercial banks of our country, in which the bank determines an ideal price that can reach the bank's profit target.In order to negotiate with key borrowers and competitors to cover both the risks and costs of the loan and to meet the profit target, the determination of the upper and lower limits of the loan price makes the bank react more quickly to its competitors.And no mistakes in judgment.At the same time, the upper limit of loan pricing can prevent adverse selection and moral hazard, and the comparison between the lower limit of loan price and market price can help commercial banks to reduce their own costs and meet the challenge of market competition.At present, domestic research on loan pricing of commercial banks focuses on pricing models and models, but there are few studies on the upper and lower limits of loan pricing.The main content of this paper is to explore the pricing of public loans by Chinese commercial banks from the perspective of the upper and lower limits of loan pricing.The framework of this paper is as follows: the first chapter is the introduction, including the explanation of related concepts, the background and significance of the research, the review of relevant literature, the innovation and deficiency of this paper, the second chapter is a review of relevant theories;The third chapter studies the current situation of the pricing of public loans by commercial banks in China, the current pricing methods, existing problems and reasons, as well as the significance of determining the upper and lower limits of loan pricing for Chinese commercial banks.Chapter four makes a theoretical discussion and applicability analysis on the upper and lower limits of the pricing of public loans by commercial banks in China, and the fifth chapter studies the difficulties of determining the upper and lower limits of pricing of public loans by commercial banks in China.The general process of the public loan pricing of Chinese commercial banks combined with the upper and lower limit of loan pricing is given. Finally, two cases are analyzed.In chapter 6, some conclusions and suggestions are given.
【學(xué)位授予單位】：東北師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類(lèi)號(hào)】：F832.4

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