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本文按照贷款定价方法发展的脉络,对货币市场、企业财务状况和贷款合约等影响贷款定价的因素的相关研究作了回顾,在定量分析境内货币市场美元利率的基础上,得出“境内货币市场美元利率≠LIBOR”的结论;同时通过对某大型银行的业务对外币存款和贷款利率定价因素进行实证分析,针对国内大型商业银行资金管理模式和资金定价模式,提出相应的对策建议。
Based on the development of loan pricing method, this paper reviews the related research on the factors that affect the pricing of loans, such as money market, corporate financial status and loan contracts. Based on the quantitative analysis of the interest rate of US dollar in the domestic money market, this paper draws the conclusion that "domestic currency At the same time, through the empirical analysis of the deposit of foreign currency and the loan interest rate in a large bank’s business, according to the capital management mode and capital pricing model of domestic large commercial banks, the paper puts forward corresponding countermeasures and suggestions.