Chinese Commercial Bank Loan Pricing Optimization

China’s commercial banks as a financial system, an important part in economic development plays an important role. Commercial banks are the responsibility of the agency to assume the credit financial institution, it is to connect capital suppliers and demand ties and bridges. China’s commercial banks in loan demand and deposit supply price of price setting, often in the role of passive acceptance, uncertainty and quantity yield deposits and loans so that banks face risks from the inside to the outside. Therefore, bank deposits and loans must be reasonably priced, thereby regulating asymmetric demand deposits and loans in order to control the risks, to maximize earnings, revenue maximization is maximizing efficiency.Since the 1980 s, Western countries, the progressive realization of market-oriented interest rates, commercial banks can customize the pricing according to supply and demand of funds. Since the founding of New China, China will implement the interest rate controls, after decades of development, China is moving forward interest rate market. On the whole, China is still in the exploratory stage of the interest rate market. Pricing of deposits and loans is reasonable, not only affects the income level of commercial banks, it will affect the bank’s asset quality, customer structure and market competitiveness. People’s Bank of China will follow the steps after the first deposit of the progressive realization of the loan interest rate market, this article only for the loan pricing was discussed. DEA dichotomy study by a bank loan pricing of new ideas, the factors that influence the pricing of the loan is divided into deposit interest rate of expenditure, expenditure rate, the rate of compensation for the risk of default, the risk of interest rate of compensation and the target margin of input indicators, loan interest output index, calculated using empirical analysis to maximize the efficiency of the lending rate under.In this paper, DEA dichotomy, to seek maximum efficiency in loan pricing is based on the production system of loan pricing model, combined with the DEA dichotomy and seek new methods of loan pricing. We developed both to consider the cost of the loan, costs and risks, and taking into account interest rates to maximize efficiency. Through the study of the efficiency of commercial bank loans, to explore the factors that influence the pricing efficiency of commercial bank loans, to explore a new method of commercial bank loan pricing, and ultimately maximize the efficiency of the loan interest rate.