摘要
本文分析了利率市场化对商业银行贷款定价的影响,然后在对比分析几种主要贷款定价方法的基础上,对客户关系贷款定价的内涵、模型框架和系统架构进行了探讨,并且详细剖析了其中涉及到的几个主要功能模块,最后指出基于客户关系的贷款定价模式是国内银行应对利率市场化的有效措施之一。
This paper analyzes the influence of interest rates liberalization to the loan pricing of commercial banks, then discusses the connotation, model framework and systemic architecture of customer relationship loan pricing on the basis of comparing and analyzing several main methods of loan pricing, and introduces some critical function modules with detail. Finally, it concludes that the loan pricing model based on the customer relationship is one of the effective measures of domestic banks respond to interest rates liberalization.
出处
《区域金融研究》
2014年第7期30-34,共5页
Journal of Regional Financial Research
关键词
利率市场化
客户关系
商业银行贷款定价
Interest Rates Liberalization
Customer Relationship
Loan-pricing in Commercial Banks
