【作者】 马俊；

【导师】 迟国泰；

【作者基本信息】 大连理工大学 ， 工商管理， 2007， 硕士

【摘要】 公司贷款是中国银行沈阳分行(后文简称为沈阳中行)的主要资产之一,公司贷款利息收入约占利息收入总额的65%。近两年,沈阳中行的公司贷款业务发展不甚理想,呈现市场份额和利息收入双降态势,使得改进现有贷款定价方法、建立有助于业务发展的公司贷款定价体系成为沈阳中行经营管理中所面临的一个新的重要课题。本文共分五章,第一章绪论;第二章沈阳中行公司贷款定价现状;第三章沈阳中行公司贷款定价研究;第四章公司贷款定价模型的实例分析:第五章结论。本文的研究重点是沈阳中行公司贷款定价方法。本文总结贷款定价工作中存在的问题;进一步辨析了公司贷款定价的制约因素,确定了贷款定价原则,改进了贷款定价模型;通过对公司贷款业务实例的重新定价,验证了改进后的贷款定价模型可为贷款定价决策提供有力工具。本文的创新与特色表现在一是改进后的贷款定价模型量化了派生业务收益对贷款价格的影响,测算客户对银行的综合贡献,针对客户与银行间的整体业务往来状况的不同,制定差别化的贷款价格,为贷款定价决策提供有力工具。二是改进后的贷款定价模型的测算结果更贴近实际水平。此定价模型的应用将有助于贷款利率定价人员做出贷款定价决策、有助于客户经理提高贷款议价能力、有助于对贷款利率的后评价与管理。更多还原

【Abstract】 Institutional client loan is one of the main assets of Bank of China Shenyang branch (stand for BOC Shenyang later). The interest income of institutional client loan is about 65% of total amount of interest income. Last two years, it has not been good for developing institutional client loan of BOC Shenyang, both of the market share and interest income are declining. BOC Shenyang is facing a new important issue in its operating management, which is to change the current method of making loan price and then built a pricing system of institutional client loan to be helpful for developing business.This thesis has five parts. The first part is an exordium; the second part is the introduction of current situation of institutional client loan of BOC Shenyang; the third part is the study on making price for institutional client loan of BOC Shenyang; the fourth part is example analysis on model of making price for institutional client loan; the fifth part is a conclusion.The key point of study is the method of making price for institutional client loan of BOC Shenyang. This thesis summarizes the actual problem in making loan price, and then differentiates and analyzes the factors which affect the price of institutional client loan, fix on the principles of making loan price, rebuilds the model of making loan price, validates new model of making loan price is a good tool to decide on making loan price by remaking price for examples of institutional client loan happened before.The innovation and characteristic of this thesis can be found in following two aspects:one is that the new built model of making loan price offers a good tool for deciding on making loan price by measuring derived business income and calculating integrate contribution from client received by bank. The other one is that the result of making loan price is close to actual level. Appling this model will be helpful for lending rate maker to make a decision on loan price, for clerks who service for institutional clients to enhance the ability of price negotiation, for appraising and managing lending rate after lending money out.更多还原