反思我国银行贷款定价困境问题  

Reflection upon the Predicament of Loan Pricing in Our Banks

作　　者：方晓燕[1] 

机构地区：[1]安徽大学经济学院,合肥230039

出　　处：《安徽广播电视大学学报》2006年第1期35-38,共4页Journal of Anhui Radio & TV University

摘　　要：我国银行在利率市场化进程中面临着三种不同程度的“定价困境”:贷款定价自主权不足、贷款定价技能较差、风险管理系统不配套。现阶段如果仅从方法和模型上探讨贷款定价问题是不够的,也是不具备条件的。贷款定价是一个复杂的系统工程,应将其置身于信贷管理与风险管理中,从不同的渠道推动贷款定价机制的完善,以摆脱现阶段的贷款定价困境状况。With the advance of our country＇s interest rate market reform, our commercial banks are facing three kinds of predicament, no power, no technique of loan pricing, and no system of risk management. It is not enough to discuss models or methods of pricing, because loan pricing is a complicated system work, it must be involved in the decision mechanism of credit. This paper puts forward several channels to perfect the mechanism of loan pricing.

关 键 词：贷款定价 困境 利率市场化 资产负债管理 信贷二级市场 信用衍生工具 

分 类 号：F830.5[经济管理—金融学]