摘要
贷款定价模式对于银行经营绩效存在着实质性的影响。国有商业银行贷款定价模式存在着差异性,从而带来贷款绩效的差异性。贷款绩效受到银行内部多种因素的影响。基于现实性的数据调查,借助于多元回归分析方法,经验性的研究揭示了国有商业银行之间定价模式效率的微观差异化路径,有利于国有银行之间的学习和借鉴,从而为国有商业银行完善贷款定价管理战略提供了策略性的指导。
The loan pricing model has substantial impact for banks operation performance.The difference of state-owned commercial banks loan pricing efficiency may bring the difference of loan performance.Loan efficiency is affected by many factors within the banks.Based on the realistic data survey and by means of the multiple regression analysis,empirical research reveals the micro differentiation path of loan pricing model efficiency betweens state-owned commercial banks,which may help banks study and learn,and provide strategic guidance to improve loan pricing mechanism.
出处
《特区经济》
北大核心
2011年第7期77-79,共3页
Special Zone Economy
基金
国家人社部留学人员科技活动项目资助
