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近年来,央行加快了贷款利率市场化进程,贷款利率上限已完全放开,如何科学地贷款定价成为我国商业银行的重要课题。本文将运用成本加成的基本方法做一些有益的探讨。一、贷款的资金成本分析(一)贷款占用的资本金成本1.非预期损失与风险资本、权益资本金成本与目标利润之间的联系
In recent years, the central bank has accelerated the process of marketization of lending rates, the upper limit of lending rates has been completely liberalized, and how to scientifically loan pricing has become an important issue for commercial banks in our country. This article will use the basic method of cost plus do some useful discussion. First, the capital cost of the loan analysis (a) the cost of capital occupied by the loan 1. Unanticipated loss and risk capital, the cost of equity capital and the link between the target profit