本文针对国内外尤其是国内较为广泛关注的银行贷款利率定价问题，进行其
影响因素进行分析。首先介绍了选题的背景、目的和意义，介绍了国内外利率市
场化的研究动态及发展趋势，对国内外贷款利率定价影响进行分析，并对商业银
行贷款利率定价理论和方法进行了分析，并着重分析了现在采用的一些定价理论
和方法。其次，论文分析了我国商业银行发展现状，对 2009 年我国实行利率市
场化后至 2017 年上半年各类型金融机构发展情况进行了分析，说明实施利率市
场化的近八年来我国银行业整体经营实力正在快速提升，市场定位越来越明确，
产生了一批专业性、具有自身经营特色的商业银行，同时也分析说明了实行利率
市场化以来，要求商业银行进行精细化转型，并成为一种必然趋势
随后，引入云南地区 K 银行的实际贷款利率定价管理建设情况，并选取实操
中五个类型的案例进行分析，说明 K 银行对公贷款利率定价的影响因素和存在的
问题，为本文进行贷款利率定价实证分析、策略分析奠定了实例基础。并根据之
前的经济理论分析、定价理论分析和实例分析，充分分析了贷款利率定价的风险
性影响因素，风险程度这一影响因素对贷款利率定价的策略，企业风险偏好及未
来可能出现的风险是事前难以掌控和把握的、不确定的、模糊的
创造性地、尝试性的引用模糊理论，采用模糊聚类模型分析在众多的对贷款
利率定价有影响的可能产生风险的因素中，在制定贷款定价策略时，那些因素可
以进行分析进而合理制定贷款利率，整个过程运用软件 Matlab 实现。最终提出
了相应的策略建议
关键词： 利率市场化；贷款利率定价；模糊聚类；MatlabAbstract
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Abstract
Marketization of interest rate&39;s main goal is to set up is determined by market
supply and demand of financial institutions deposit and loan interest rates of interest
rate formation mechanism, through the use of monetary policy tools to control and
guide the market interest rate, make the market mechanism to play a leading role in
the financial resource allocation. Obviously, the result of the interest rate
marketization make bank product price, deposit and lending interest rates gradually
relaxing, Banks in the process of management to decide the price for the loan and
deposit costs, greatly promote market-oriented operation of our country&39;s Banks. At
the same time, with interest rate liberalization, it will inevitably raise new
requirements for corporate financing and financial regulation. The issue of interest
rate pricing is a matter of great concern and practicality for commercial Banks, and its
pricing method is an international problem.
This paper focuses on the analysis of the influencing factors of the pricing of
corporate loans, especially the domestic and foreign countries. First introduced the
selected topic background, purpose and significance, introduced the domestic and
foreign research status and development trend of interest rate liberalization, analysis
of loan interest rate pricing influence at home and abroad, and the commercial bank
loan interest rate pricing theory and method are analyzed, and emphatically analyzes
the now use some of the pricing theory and method. Secondly, the paper analyzes the
current situation of the development of Chinese commercial Banks, to practice the
marketization of interest rate in China in 2009 to 2017 in the first half of the
development of various types of financial institutions are analyzed, and illustrates the
implementation of market-oriented interest rate in nearly eight years the overall
management strength is rapidly increasing in China&39;s banking industry, the market
localization is more and more clear, to produce a batch of professional, has its own
management characteristic of commercial Banks, since the interest rate marketization,Abstract
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also analyzed the refinement require commercial Banks to shift and become an
inevitable trend.
Subsequently, the introduction of yunnan area actual situation of the K bank loan
interest rate pricing management construction, selection and use of five types of case
analysis shows that the influence factors of K toward bank loan interest rate pricing
and the existing problems, for this paper, empirical analysis are done on loan interest
rate pricing strategy analysis laid the foundation instance. Before and according to the
theory of economic analysis, pricing theory analysis and case analysis, fully analyzed
the influencing factors, the risk of loan interest rate pricing risk degree of the
influence factors on the loan interest rate pricing strategy, enterprise risk preference
and future possible risk is difficult to control in advance and grasp, uncertain and
fuzzy.
Creatively, tentative quotes fuzzy theory, fuzzy clustering analysis model in a
wide range of influential to loan interest rate pricing risk factors may be produced,
when loan pricing strategy, those factors can be analyzed and establishing reasonable
loan interest rates, the whole process using the software Matlab. Finally, the
corresponding strategies are proposed.
Key Words： Interest rate liberalization；Loan rate pricing；Fuzzy Cluster；Matlab目录
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目 录
摘要.......I
Abstract ..... II
第一章 绪论..........1
第一节 研究背景、目的及意义...........1
一、研究背景......1
二、研究目的和意义......2
第二节 研究综述...........3
一、国内外利率市场化的研究动态及发展趋势..........3
二、国内外贷款利率定价影响分析......4
第三节 研究内容及框架...........7
一、研究内容......7
二、研究框架......8
第四节 研究方法、创新点及不足之处...........9
一、研究方法......9
二、创新点..........9
三、不足之处......9
第二章 商业银行贷款利率定价理论和方法分析.......11
第一节 商业银行贷款利率定价理论... 11
一、马克思的利率决定理论.... 11
二、古典经济学的利率决定理论........ 11
三、新古典经济学的利率理论12
四、凯恩斯的利率决定理论.........
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