贷款利率的成本加成模型的应用研究  

Applied Research of Cost-plus Model of Loan Interest Rate

作　　者：靳海娟[1] JIN Hai-juan(Department of Mathematics,Changzhi University,Changzhi Shanxi,046011)

机构地区：[1]长治学院数学系,山西长治046000

出　　处：《山西大同大学学报（自然科学版）》2020年第5期37-40,共4页Journal of Shanxi Datong University(Natural Science Edition)

基　　金：长治学院教学改革创新项目[JC201805]。

摘　　要：在我国金融市场不断地改革中,贷款利率也逐渐迈向市场化。因为改革我国经济发展变快,贷款已经成为了如今商业银行的主要盈利项目。本文通过对贷款利率定价的成本加成模式进行研究,在理论的基础上对该模型进行简单计算,主要包括:贷款利率;筹资成本率;贷款费用率;贷款风险补偿率;目标利润率几个主要指标的计算,最后通过实例进行计算并做出一定分析与研究,通过结果可以看出该模型对成本与风险因素的各方面考虑,符合贷款定价的三高原则,即,“高风险高成本必然高定价”的定价原则。In the continuous reform of China's financial market,the loan interest rate has gradually moved toward the market.Be⁃cause the reform of China's rapid economic development,loans have become the main profit-making project of today's commercial banks.In this paper,the cost-plus model of loan interest rate pricing is studied,and the model is simply calculated on the basis of theo⁃ry,the main indexes of target profit rate including loan interest rate,financing cost rate,loan cost rate,loan risk compensation rate are calculated.Finally,the calculation is carried out through an example,and some analysis and research are made.Through the results,we can see that the model takes into account all aspects of cost and risk factors,and conforms to the three high principles of loan pric⁃ing,namely,"high risk high cost necessarily high pricing"pricing principle.

关 键 词：成本加成模式 筹资成本率 风险补偿率 贷款费用率 

分 类 号：O521.3[理学—高压高温物理]