Research On The Pricing Strategy Of The Loan To Small And Micro-enterprise In Dalian Branch Of MS Bank

In the growing trend of economic globalization, the deepening of interest rate marketization, the background of financial disintermediation process gradually speed up, the survival and development of the domestic commercial banks is facing severe challenges, the specific performance: management costs and the cost of capital increased year by year, credit products and poor space narrowing. Since 2012, domestic economic growth continued to slow, the production and operation of enterprises financing breach incidents, said of an aged person, the quality of assets of commercial banks and rapid downward migration. Under the dual pressure superposition, China’s banking industry earnings growth slowed sharply.Due to the high capital and labor costs, a single product variety, in the face of large and medium-sized state-owned enterprises financing needs of small and medium sized joint-stock commercial banks overall bargaining power is weak. Another way, adhere to meticulous management, the development of small and micro finance is the inevitable choice of small and medium sized banks. On the one hand, small and micro financial assets pricing, commercial banks can obtain higher returns on assets, at the same time, low cost settlement deposits derived from a large number of stable, to a certain extent, reduce the cost of funds of commercial banks; on the other hand, the assets of the business can be bundled retail customers, improve the adhesion of customers and commercial banks to expand. Based on commercial bank customers to avoid loan concentration risk.Based on the above understanding, combined with the MS bank small micro finance strategy, this paper draws lessons from the domestic and foreign interest rate decision of the latest research results of the theory, and the existing commercial bank loan pricing method, systematic sorting and refining, puts forward a brief framework of interest rate pricing. On this basis, in view of the Dalian area commercial bank small and micro loan interest rate pricing process, the existence of the main problems for analysis. Based on the actual situation in Dalian, the MS bank Dalian branch compound small and micro loan interest rate pricing strategy. Compared with the traditional pricing method, the composite interest rate pricing strategy is reflected in three aspects: one is the construction of the advantages of conversion mechanism more scientifically and systematically, can use the combination between pricing factors, improve the commercial bank loans to small and micro business income. Two is through the pricing strategy, to guide commercial banks to match the high risk and low risk assets, in different economic cycles, stable asset quality, achieve sound management. Three is to promote commercial bank managers to change business thinking, from one-sided pursuit of scale efficiency to focus on the development of fine. Finally, the selection of two small and micro credit customers, through the application of composite small and micro loan pricing method, and the current interest rate pricing method to carry out the advantages and disadvantages of the analysis, to verify this paper.