Research On Loan Pricing Management In Agricultural Bank Of China Wenzhou Branch

If any financial institution wants to occupy a competitive advantage in the fierce competition of loan business,it must accurately fix the loan pricing,establish a set of perfect loan interest rate pricing management mechanism in order to achieve the goal of enhancing its core competitiveness and promoting the realization of operating efficiency.Essentially,commercial banks determining whether the loan price is scientific and reasonable,and whether it meeting the needs of banks to participate in market competition will not only affect the business development,risk management ability and profitability of commercial banks,but also affect the realization of the bank's strategic development goals.This requires commercial banks to accurately determine the interest rate of loans and price loans precisely.This is an inevitable requirement to promote the realization of bank loan profit objectives.As one of the four state-owned commercial banks in Wenzhou,Agricultural Bank of China has taken a series of measures to optimize the loan pricing management in recent years.This serves the local economic and social development.At the same time,Agricultural Bank of China Wenzhou Branch's loan business competitiveness has been increasing,too.However,it can be seen from the current development situation that there are still many problems in the loan pricing management and pricing model of Agricultural Bank of China Wenzhou Branch.To better serve the purpose of realizing the strategic goal of promoting the bank's rapid development and to enhance its core competitiveness,the bank's loan pricing management is discussed in this paper.The purpose is to construct a model suitable for the bank's loan business pricing needs,and put forward some suggestions.Specific strategies to improve the bank's loan pricing management.Guided by the theory of interest rate marketization,this paper mainly analyses the loan pricing management of Agricultural Bank of China Wenzhou Branch by means of literature review,questionnaire and model analysis.On the basis of introducing the current situation of loan pricing and loan pricing management of Agricultural Bank of China Wenzhou Branch,this paper reveals the outstanding problems in loan pricing management consciousness,pricing management mechanism,pricing preferential policies and pricing supervision of Agricultural Bank of China Wenzhou Branch.Combining this with the bank's needs on loan pricing management,it builds a calculation model suitable for the bank's current loan pricing needs and puts forward some implementation of safeguard measures and specific resolutions to improve the level of the bank's loan pricing management.