贷款定价理论与实践探讨  

On the Theory and the Practice of Loan Pricing

作　　者：方晓燕[1] 

机构地区：[1]安徽大学经济学院,合肥230039

出　　处：《价值工程》2006年第4期123-126,共4页Value Engineering

摘　　要：西方的利率决定理论和信贷配给理论在我国或缺乏生存环境或遭遇变异,推动贷款定价理论发展的金融市场又不发达。银行方面资金闲置、盈利困难、风险增大,企业方面资金短缺、成本居高、发展受限,我国银行贷款定价陷入理论和现实双重困境。本文主要目的是通过比较研究为改进我国商业银行贷款定价提供理论依据并对贷款定价计算公式作详细阐述。it is difficult for western theories of interest decision or credit rationing to utilize in our country. Presently, our Loan pricing takes many problems to banks and companies. The main purpose of this article is to suggest a theoretical support for our banks to improve loan pricing, but also specify the details to compute the loan pricing, which is rather complicate.

关 键 词：贷款定价 利率决定 信贷配培 预期损失 

分 类 号：F830.5[经济管理—金融学]