摘要
2004年10月29日,央行宣布放开企业贷款利率上限,这意味着商业银行从此可以根据信贷市场需求确定贷款价格。合理的贷款价格,既可以确保商业银行本身稳定的盈利空间,也可以通过价格信号度量不同企业的信用等级,有效控制信贷风险。因此,我国国有商业银行有必要在西方商业银行经典的贷款定价理论的基础上,构建适合自身贷款定价的基本模型。
The People's Bank of China declared to get rid of the top limitation of enterprises' loan rate on Oct.29, 2004, which means that domestic commercial banks would be able to draw up loan prices according to the demand of credit market. A reasonable loan price a commercial bank makes could be able to make sure of the bank's profit space and identify different credit grades of different enterprises by price signal, then control loan risks effectively. Therefore, it is necessary for the domestic commercial bank to establish a new loan-pricing model that would be fit for them on base of western commercial bank's loan pricing theories.
出处
《湘潭大学学报（哲学社会科学版）》
北大核心
2005年第3期86-89,共4页
Journal of Xiangtan University:Philosophy And Social Sciences
关键词
商业银行
贷款定价
模型构建
commercial bank
loan-pricing
model-establishment
