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近来,央行对外汇占款的调控逐渐成为分开市场操作的重点,金融机构外汇存款逐月下降;而与此同时,在美日等国普遍维持的低利率政策下,国内产生了大量的外币贷款需求,金融机构外币贷款大幅攀升。作为利率市场化程度最高的竞技场,外汇贷款经营的复杂性和竞争的激烈性与日俱增,贷款定价策略被推到了市场竞争的前沿
Recently, the central bank’s regulation of foreign exchange reserves has gradually become the focus of separate market operations and the foreign exchange deposits of financial institutions have dropped month by month. Meanwhile, with the low interest rate policies generally maintained in the United States and Japan, a large amount of domestic foreign currency loans have been generated Demand, foreign currency loans from financial institutions soared. As an arena with the highest degree of marketization in interest rates, the complexity of the operation of foreign exchange loans and the fierce competition have been increasing day by day. The loan pricing strategy has been pushed to the forefront of market competition