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Loan Pricing Study of Chinese Commercial Banks

Author: XiaoZuo
Tutor: ZhangTaoWei
School: Tsinghua University
Course: Applied Economics
Keywords: Loan Pricing Contract Factor Company’s Financial Index
CLC: F832.4
Type: Master's thesis
Year: 2009
Downloads: 119
Quote: 0
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Abstract


Loan pricing is one of most important issues for commercial banks and affects the bank’s assets quality and profit directly.As the development of economy, a lot of models were developed and used in advanced countries.In China, loan pricing of commercial banks is based on the benchmark rate set by China Central Bank.At October 29th, China Central Bank opened the upper limit of the floating interest rate of loan.China’s commercial banks owned the determination rights on loan pricing they never had before.This paper tried to analyze the loan information of the listed companies to get an idea of the status of loan pricing in China now, and to find the main factors affecting the pricing.Knowing the conditions of loan pricing now can provide information for the development of loan pricing method in China.This paper reviewed the revolution process of interest rate in China and then gave an overall picture of the loan price since the third quarter of 2004.Analysis of the loan pricing based on the loan contract factors and company’s financial index were done based on the information of listed companies from October 29th, 2004 to December 31st, 2007.Correlation analysis,least square regress,analysis of variance, principle component analysis and factor analysis were used in the paper.In the analysis based on loan factors, this paper studied the relationship between the price of loan and the maturity, amount as well as collateral.We found that amount of the loan has negative correlation with the price and the loans with collateral were usually more expensive than others.In the analysis based on the financial indexes, we found that financial indexes affected the loan pricing.Main factors which had negative relationship with the price were profitability, cash and size of the company.Different financial institutions considered different indexes in loan pricing process.This paper studied one commercial bank specially and proposed some suggestions on the development of loan pricing system in China at last.

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