我國商業(yè)銀行貸款定價的問題及對策分析

金融論文編號:JR072 本份論文包括開題報告,畢業(yè)實習(xí)報告,任務(wù)書，外文翻譯，論文字?jǐn)?shù):22714,頁數(shù):32

目　　錄
摘    要 .........................................................I
Abstract .........................................................II
1  緒    論 ......................................................1
1.1  研究背景.................................................... 1
1.2  研究的目的和意義............................................ 1
1.2.1  研究的目的 ................................................1
1.2.2  研究的意義 ................................................2
1.3  國內(nèi)外研究現(xiàn)狀.............................................. 2
1.3.1  國外研究現(xiàn)狀 ..............................................2
1.3.2  國內(nèi)研究現(xiàn)狀 ..............................................4
1.4  研究方法和內(nèi)容 ..............................................4
2  理論基礎(chǔ) ......................................................6
2.1  商業(yè)銀行貸款定價有關(guān)文獻述評 ................................6
2.2  相關(guān)理論提出 ................................................6
2.2.1  古典利率理論 ..............................................6
2.2.2  可貸資金理論 ..............................................7
2.2.3  流動性偏好理論 ............................................7
2.2.4  利率結(jié)構(gòu)理論 ..............................................8
2.2.5  信貸配給理論 ..............................................9
2.3  商業(yè)銀行貸款定價方法及其評述 ................................11
2.3.1  成本加成法 ................................................11
2.3.2  基準(zhǔn)利率加點法或價格領(lǐng)導(dǎo)法 ................................11
2.3.3  利率上限定價法 ............................................12
2.3.4  客戶贏利分析法 ............................................13
2.3.5  成本收益定價法 ............................................14
3  我國商業(yè)銀行貸款定價的現(xiàn)狀和問題 ..............................16
3.1  我國商業(yè)銀行貸款定價的現(xiàn)狀 ..................................16
3.2  我國現(xiàn)行貸款定價機制存在的問題 ..............................17
3.2.1  缺乏真正意義上的基準(zhǔn)利率 ..................................17
3.2.2  商業(yè)銀行缺乏風(fēng)險定價能力和管理能力 ........................18
3.2.3  商業(yè)銀行自主定價能力不強 ..................................18
3.2.4  商業(yè)銀行貸款定價的行業(yè)差異和地域差異 ......................19
4  我國商業(yè)銀行貸款定價的對策分析 ................................21
4.1  優(yōu)化商業(yè)銀行貸款定價的外部金融環(huán)境 ..........................21
4.1.1  完善以單一基準(zhǔn)利率為基礎(chǔ)的市場利率體系 ....................21
4.1.2  建立健全商業(yè)銀行貸款利率定價的保障機制.................... 22
4.2  提高商業(yè)銀行的自主定價能力 ..................................23
4.2.1  積極培養(yǎng)商業(yè)銀行的自主定價能力 ............................23
4.2.2  商業(yè)銀行在貸款定價中不能忽略行業(yè)和地區(qū)因素 ................24
結(jié)    論 .........................................................26
參考文獻......................................................... 27
致    謝 .........................................................29
附    錄1........................................................ 30
附    錄2 ........................................................33

摘    要
      隨著我國利率市場化改革的深入，我國商業(yè)銀行在貸款定價上的自主權(quán)不斷放開，在貸款定價問題上也有了一些新的突破。但許多貸款定價的問題也隨之凸顯出來，比如我國商業(yè)銀行缺乏相應(yīng)的風(fēng)險定價能力和管理能力，貸款定價模型的可操作性不強、缺乏真正意義上的基準(zhǔn)利率等。如何完善利率定價機制和市場利率體系，確定單一基準(zhǔn)利率定價機制，建立健全科學(xué)高效的利率定價體系，完善利率風(fēng)險內(nèi)控機制，提高風(fēng)險控制能力和管理能力等，對我國商業(yè)銀行貸款定價的科學(xué)管理有著重要意義。深入從各個層面研究了商業(yè)銀行貸款定價的現(xiàn)狀、問題以及對策分析。通過與國外的貸款定價實踐進行比較，通過分析貸款定價模型的精髓找到我國貸款定價存在的問題，并相應(yīng)提出對策，以期能真正指導(dǎo)我國商業(yè)銀行貸款定價。

關(guān)鍵詞：利率市場化；貸款定價；信貸配給；基準(zhǔn)利率

Abstract
       As China's market-oriented interest rate reform deepens， China's commercial banks in pricing loans on the autonomy of the release， the loan pricing issue also has some new breakthroughs. However， many loan pricing issues also will be highlighted， such as China's commercial banks lack the appropriate risk pricing and management capacity， the loan pricing model operable not strong， and the lack of real sense， such as the benchmark interest rate. How to improve the interest rate pricing mechanisms and market interest rate system to identify a single benchmark interest rate pricing mechanism， establish and improve the scientific and efficient interest rate pricing system， improve the interest rate risk internal control mechanism， improve risk control and management capacity， China's commercial banks on loan pricing of science Management is of great significance。From all levels of in-depth study of the commercial bank loan pricing in the status quo， as well as countermeasures. Through foreign loans and to compare pricing practice， through analysis of loan pricing model to find the essence of China's loan pricing existing problems and put forward countermeasures， with a view to guiding China's real commercial bank loan pricing。

Key words: market-oriented interest rates;loan pricing; credit rationing; benchmark interest rate