利率市场化条件下我国商业银行的贷款定价策略研究

发布时间：2018-01-06 02:10

本文关键词：利率市场化条件下我国商业银行的贷款定价策略研究　出处：《云南师范大学》2013年硕士论文　论文类型：学位论文

【摘要】：随着利率市场化的进一步推进，势必对商业银行的经营，尤其是贷款定价产生深刻影响。本文基于利率市场化改革进程不断推进和我国经济尚处于“双重”转型的背景判断，研究了利率市场化条件下我国商业银行贷款定价策略的选择。通过探讨商业银行贷款定价现状和现有贷款定价模型，对比分析了各类模型在我国商业银行中的适用性以及利率市场化改革对我国商业银行贷款定价的具体影响，并结合实证分析进一步探究了我国商业银行现行贷款定价模式的特征和演进趋势，，最终本文研究认为利率市场化条件下，商业银行应采取基准利率加成模式的定价策略，定价策略的具体形式为“贷款定价=基准利率+利率浮动值”。在这一策略下，商业银行能够有效的依据利率市场化改革的推进而不断充实自身的贷款定价操作规范，并逐步调整定价策略使之逐步趋近于符合利率市场化要求的定价模式。
[Abstract]:With the further advance of the interest rate market is bound to the operation of commercial banks, especially have a profound impact on loan pricing. Based on the background of judgment continue to promote market-oriented interest rate reform process and China's economy is still in a "double" transformation, to study the interest rate market pricing strategy of our country commercial bank loan of a choice. Through the discussion on the current situation of commercial bank loan pricing and existing loan pricing model, comparative analysis of various types of models in China's commercial banks in the applicability and the interest rate marketization reform of domestic commercial bank loan pricing has influence, combined with the empirical analysis to further explore the characteristics and evolution trend of the current loan pricing model of China's commercial banks finally, this study concluded that under the condition of interest rate marketization, commercial banks should adopt the benchmark interest rate plus model pricing strategy, the specific form of pricing strategy As a "loan pricing benchmark interest rates + = value". In this strategy, the commercial banks to reform according to the interest rate market effectively in advance and enrich their operating norms of loan pricing, and gradually adjust pricing strategy to gradually converge to meet the requirements of market-oriented interest rate pricing model.

【学位授予单位】：云南师范大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.5;F832.4

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