信贷业务是银行的主要利润来源,信贷资产定价又是我国商业银行的核心环节,因此信贷定价问题是各大商业银行面临的重大课题。在一定条件下,银行的信贷资产定价直接决定了银行的收益和市场竞争力。但目前我国商业银行的信贷资产定价技术还不够发达,本文针对这一问题进行了探讨分析,并提出了修改性建议。 Credit business is the main source of profits for banks. The pricing of credit assets is also the core link of commercial banks in China. Therefore, the issue of credit pricing is a major issue for major commercial banks. Under certain conditions, the bank’s credit asset pricing directly determines the bank’s earnings and market competitiveness. However, at present, China’s commercial bank credit assets pricing technology is not yet developed enough, this paper conducted a discussion on this issue analysis, and proposed amendments.