The Empirical Research On Our Commericial Bank Consume R Credit Pricing

With the continuous development of China’s economy in our country is developing rapidly in personal consumption loans. Consumer loan pricing reasonable, to improve the efficiency of commercial banks of consumer credit in China, is of great significance to promote the sustainable development of China’s commercial banks. The pricing mechanism of our country tradition has gradually not adapt to China’s current economic development, therefore, it is necessary to the pricing mechanism of China’s reform, using the option pricingmodel, added to our country commercial bank pricing system.Introduces the research background and significance of theresearch, and a brief description of the consumer loan pricing theory and several international common consumer loan pricing model. Describes in detail the pricing theoryand consumer credit, consumer credit in China and the pricing principles.Theoretical analysis on the status quo of China’s consumer credit pricing, and points out some existing problems in China consumer loan pricing. Is an empirical analysis of pricing of credit consumption based on option pricing model, in this part introduces the Black-Scholes option pricing model, while the two binomial tree model is introduced. The individual housing consumer credit as an example, do an empirical study on the specific two fork tree model based on. Put forward feasible countermeasures on the pricing of commercial bank consumption credit.