LPR推行背景下中小商业银行贷款定价问题研究  

Research on Loan Pricing Problem of Small and Medium-Sized Commercial Banks Under the Background of LPR Implementation

作　　者：李丰安 LI Feng-an(Jiangxi University of Science and Technology,Ganzhou 341000,China)

机构地区：[1]江西理工大学,江西赣州341000

出　　处：《中小企业管理与科技》2021年第16期116-117,共2页Management & Technology of SME

基　　金：江西理工大学创新创业训练计划《基于金融实训的软件开发——商业银行经营模拟系统》经费支持(编号:DC2019-078)。

摘　　要：目前LPR(贷款市场报价利率)已经在中国贷款市场全面运用,但是中小商业银行由于经营历史短、贷款能力和经验不足等,并不能紧跟央行发布的各项政策进行调整。针对中小商业银行实施LPR的现状,论文从中小商业银行内部出发进行分析,希望为相关从业者进行参考。At present,LPR(Loan Market Quotation Rate)has been fully applied in China's loan market.However,small and medium-sized commercial banks cannot follow the policies issued by the People's Bank of China due to their short operating history,lack of lending capacity and experience.In view of the current situation of the implementation of LPR in small and medium-sized commercial banks,this paper conducts an analysis from the inside of small and medium-sized commercial banks,hoping to provide reference for relevant practitioners.

关 键 词：LPR 中小商业银行 贷款定价 

分 类 号：F832.4[经济管理—金融学]