LJ银行贷款产品定价管理体系优化研究
[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.
【学位授予单位】:哈尔滨理工大学
【学位级别】:硕士
【学位授予年份】:2016
【分类号】:F832.4
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