In credit loans management, commercial banks are often required to evaluate the quality of the loans and to analyze the risks and benefits of credit assets as creditors. According to the actuality of credit assets managed by domestic commercial banks, the issue of the reasonability of credit assets pricing, which is urgent to be solved by commercial banks, has been raised by the thesis, together with the analysis of the insufficiency of commercial banks' credit assets value appraisal. Based on facts, the author addressed the factors, characteristics of and difficulties in credit assets pricing and discussed several worldwide applicable methods of capital assets appraisal as well as the prospects of these applications. The pricing and risk evaluating of the financial credit assets were thoroughly explored from theory to practice in this thesis. |