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The multivariate conditional commercial banks Fine loan pricing studies

Author: HuiZuoZuo
Tutor: HuHanJun
School: Fudan University
Course: Finance
Keywords: Loan Pricing RAROC model Fund Transfer Pricing Customer Relationship
CLC: F224
Type: Master's thesis
Year: 2010
Downloads: 206
Quote: 0
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Abstract


On the basis of a review of loan pricing history, current situation analysis of the main problems of China 's commercial bank loan pricing , credit risk management and cost management and strive to be understanding of the perspective of development , and puts forward recommendations . Most of China 's commercial bank loan pricing method are relatively extensive, single pricing , can not meet the individual needs of different enterprises . This article aims to seize banks urgent to solve the problem by drawing on the the mature foreign loan pricing philosophy and model to study the formation of a difference rough pricing method suitable for China 's future development trends based on multi-factor refinement loans pricing system for banks to shift the loan loan risk management and cost management as the core operational mechanism provides some theoretical support . This study is the bad environment of the the established macro financial market the microscopic pricing of financial enterprises , the basic principle of the loan pricing is not due to the different types of money are different , nor loan principal business or personal , just manifested in differences in pricing in specific approach . Therefore, in order to study the necessary simplification , the paper mainly start from the the RMB corporate loan pricing study commercial bank loan pricing principles , influencing factors and pricing methods , no longer in-depth study of other types of loans . This paper is divided into five chapters , each chapter reads as follows: The first part is an introduction to introduce the background and practical significance of the study on loan pricing . The second part of a review of the history of our loan pricing basis in reality , as this study to analyze the current situation and the presence of the same title . On the basis of the third part of the previous sections , combined with a variety of factors that affect the pricing of the loan , the Chinese commercial bank loan pricing based juice multivariate conditional , based on RAROC pricing model , considering the bank with customer relations and customer consolidated income . The fourth part gives loans multifactorial fine instance of the pricing methodology and pricing efficiency loan pricing model with the traditional description of multifactorial loan pricing methodology refinement superiority . The fifth part of the initial proposals in the promotion of multi- factors loan pricing model refinement .

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CLC: > Economic > Economic planning and management > Economic calculation, economic and mathematical methods > Economic and mathematical methods
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