本文通过基础理论铺垫，结合实例分析，旨在分析利率市场化下国内商业银行的
贷款定价原理和策略的优缺点。本文主要描述了国内大型 A 商业银行江苏省分行的
具体贷款定价模式，阐述实际操作中的利率定价方法，分析该定价方法的优势和不足，
并在其信用评级的合理性，贷款定价的效率性，客户议价能力的提高等问题上提出相
应的建议
当前，我国利率市场化已全面启动，商业银行自主定价策略的是否科学合理影响
着商业银行在这不断变化的市场中能否立于不败之地。商业银行要把不断优化完善利
率定价策略作为新常态，重视开发高质量有特色的产品来服务客户，科学理性的对待
日益激励的竞争环境，只有不停改善自身来适应市场环境，才能真正可持续健康的发展
关键词：商业银行、利率市场化、利率定价
作 者：王 洲
指导老师：顾建清Abstract Study on the loan pricing of Commercial Bank A in China under interest rate marketization
II
Study on the loan pricing of Commercial Bank A in
China under interest rate marketization
Abstract
With the continuous changes in the current economic environment and the rapid
process of domestic Interest Rate Marketization, on the one hand, it has promoted the
optimal allocation of domestic economic resources and the rapid development of China&39;s
economy, on the other hand, puting forward new requirements for the reform of interest
rate pricing of domestic commercial banks. Only by the scientific and rational interest rate
pricing, We can avoid risks and develop steady in the fluctuating interest rate market and
fierce resource competition.
This paper combines theory with practice, the purpose is to analyze the advantages
and disadvantages of the loan pricing principle and strategy of the domestic commercial
banks under the interest rate marketization. This paper mainly describes the specific loan
pricing model of Commercial Bank A Jiangsu branch, expounds the interest rate pricing
method in the actual operation, analyzes the advantages and disadvantages of the pricing
method, and makes the appropriate recommendations about the rationality of credit rating,
the efficiency of loan pricing and the improvement of customer bargaining power.
At present, China&39;s interest rate market has been fully launched. Commercial banks
should take optimizing and improving the interest rate pricing strategy as the new normal,
and pay more attention to the development of high-quality and distinctive products to serve
customers. Only by scientific and rational treatment of increasingly competitive
environment, and improving themselves to adapt to the market environment, the domestic
commercial banks can truly achieve sustainable and healthy development.
Key words: commercial banks, interest rate marketization, interest rate pricing
Written by：Wang Zhou
Supervised by：Gu Jianqing目 录
第一章 绪 论........1
一、研究背景和意义........1
（一）研究的背景.........1
（二）研究的意义.........1
二、研究方法、研究思路及框架2
（一）研究方法.2
（二）研究思路.2
（三）文章框架.2
三、国内外研究综述及简要评析3
（一）利率市场化对银行的影响.........3
（二）利率定价方法研究以及现有利率定价的特点和问题等.........5
（三）对利率风险因素和控制措施的研究。.5
（四）文献评论.6
四、利率市场化及贷款定价相关理论回顾........7
（一）利率市场化基础理论.....7
（二）利率决定理论.....7
第二章 我国利率市场化现状及对商业银行的影响........9
一、国内利率市场化现状及发展方向....9
（一）我国利率市场化的发展进程.....9
（二）我国利率市场化现状...10
（三）我国利率市场化改革的方向...10
二、我国利率市场化对商业银行的影响..........11
（一）利率市场化带来的积极影响...11
（二）利率市场化对商业银行的消极影响...11
第三章 商业银行贷款利率定价模式及国内现状分析..13
一、影响贷款定价的各项因素..13二、贷款定价的基本模式..........14
（一）成本加成贷款定价方式...........14
（二）价格领导模型定价方式...........15
（三）客户盈利分析定价方式...........16
（四）基于风险调整的贷款定价模型——RAROC 模型...16
三、利率市场化对我国商业银行贷款定价产生的作用..........18
（一）促进商业银行进一步完善贷款定价体系.......18
（二）推进了差异化贷款定价策略的运用...18
（三）推动国内商业银行贷款定价模型化和信息化...........18
（四）推动国内商业银行实现贷款定价共享机制...18
第四章 A 银行利率市场化下贷款利率定价原理分析..20
一、A 银行经营状况简介..........20
二、A 银行贷款利率定价测算的原理..21
（一）定价公式中的成本项目...........21
（二）定价公式中的贷款调节系数项24
三、A 银行贷款定价原理总结..28
第五章 A 银行下贷款利率定价实际运用分析及改进建
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