Study On The Loan Pricing Of Commercial Bank A In China Under Interest Rate Marketization

With the continuous changes in the current economic environment and the rapid process of domestic Interest Rate Marketization,on the one hand,it has promoted the optimal allocation of domestic economic resources and the rapid development of China's economy,on the other hand,puting forward new requirements for the reform of interest rate pricing of domestic commercial banks.Only by the scientific and rational interest rate pricing,We can avoid risks and develop steady in the fluctuating interest rate market and fierce resource competition.This paper combines theory with practice,the purpose is to analyze the advantages and disadvantages of the loan pricing principle and strategy of the domestic commercial banks under the interest rate marketization.This paper mainly describes the specific loan pricing model of Commercial Bank A Jiangsu branch,expounds the interest rate pricing method in the actual operation,analyzes the advantages and disadvantages of the pricing method,and makes the appropriate recommendations about the rationality of credit rating,the efficiency of loan pricing and the improvement of customer bargaining power.At present,China's interest rate market has been fully launched.Commercial banks should take optimizing and improving the interest rate pricing strategy as the new normal,and pay more attention to the development of high-quality and distinctive products to serve customers.Only by scientific and rational treatment of increasingly competitive environment,and improving themselves to adapt to the market environment,the domestic commercial banks can truly achieve sustainable and healthy development.