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Mode Selection of Loan Pricing Used in Commercial Banks during the Interest Marketization in China

Author: LinHuiWen
Tutor: ZhuHaiYang
School: Shanghai Jiaotong University
Course: Finance
Keywords: commercial bank interest marketization credit rationing loan pricing
CLC: F832.4
Type: Master's thesis
Year: 2007
Downloads: 255
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Abstract


While banking system reform and economy marketization increasingly deepen, along with the step of being geared to international standards picking up after attending WTO, the step of interest rate marketization also picking up accordingly. All these put forward domestic commercial bank’s loan pricing modes the very big challenge. Independent loan pricing is not only necessary requirement for market-oriented interest, but also own needs for commercial bank’s reform and development. Founding a set of mode in loan pricing to accommodate for the course of interest marketization will have very important meanings not only to domestic commercial bank reform and credit resource optimization, but also to internationalization of domestic commercial bank. The analysis of this thesis just based on above background.The financial regulation and financial dualism caused by long-standing planned economy, and dual discrimination in loan price and loan quantity to non-state economy, offer seedbed for banks and bank handlers’rent-seek behaviors, and also result in implicit interest in market. The system disfigurements and institutional defects during the economic transition period, and the lack of the corporation governance structures of economic bodies, result in severe distortion in bank’s loan pricing system. All these make the degree of marketization in the commercial bank’s loan pricing on the low side. Interest rate can’t reflect the true price of market capital.In the course of interest marketization, consequentially the independence of loan pricing of domestic commercial bank will increase gradually, while at the same time, interest rate will increase quickly and fluctuate frequently in short time, and will confuse commercial bank’s loan pricing, stimulate the competition in loan market bank, minish the gap between deposit interest and loan interest, increase commercial bank’s management risk. Therefore, discussing the commercial bank’s loan pricing in the course of interest marketization, will be very important to scientifically estimate working cost and loan price and rationally collocate capital resource.Now the loan pricing models used in foreign commercial bank are as follows: 1.cost-plus model. 2. base leading rate model. 3.price profitability analysis model. It needs farther test and discussion to testify whether these models are suit for domestic commercial banks in the course of interest marketization. The paper using loan pricing models used in foreign commercial banks for reference, combined with the reality in china, using qualitative and quantitative methods, design a practicable and scientific base leading rate model which based on price profitability analysis. This model, which is based on the consideration of both base leading rate level in market and relation between banks and customers, is suit for various customers, and will be valuable for reference for domestic commercial bank in the course of interest marketization turn.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit
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