第三章，信用风险与贷款定价。
如果请求被接受，响应会提供贷款定价和条件相关细节。
If the request is accepted, details about the pricing and conditions of the loan are provided with the response.
国家开发银行在贷款定价方面也存在类似的问题。
研究两个贷款客户违约相关条件下的贷款定价模型。
The paper builds the two pricing models considering the correlated defaults.
第五章建立了基于未来SFA效率的贷款定价模型研究。
The fifth one establishes the loan pricing model based on future SFA efficiency.
第四章建立了基于未来DEA效率的贷款定价模型研究。
The fourth one discusses the loan pricing model based on future DEA efficiency.
第二章建立了基于DEA最优效率的贷款定价模型研究。
The second one expounds the loan pricing model based on DEA optimal efficiency.
第三章建立了基于SFA最优效率的贷款定价模型研究。
The third one deals with the loan pricing model based on SFA optimal efficiency.
二是改进后的贷款定价模型的测算结果更贴近实际水平。
The other one is that the result of making loan price is close to actual level.
第五章采用信用转移的马氏链模型，研究了远期贷款定价问题。
In chapter 5 ~ (th), by utilizing the Markov models of credit transition probability matrix, we study the problem of forward loan pricing.
希望通过分析和比较对中国商业银行的贷款定价方式起到借鉴作用。
The author hopes to make reference to commercial banks of China though analysing and comparing the methods of loan pricing.
利率市场化下的贷款定价应考虑风险、成本及违约率等多种因素。
The risk may include many elements, such as the cost and the default possibilities.
在那时候的中国，几乎不可能准确地为证券或贷款定价或按市值计价。
In China, it was almost impossible to price or mark to market a security or a loan with any accuracy back then.
如果银行贷款定价过高，虽然预期收益较高，但是会使银行在竞争中丧失客户；
If loan price is over high, bank will lose customer in the competition though its expected income will be higher.
从贷款资产这一金融产品的营销理念出发，讨论按市场关系寻求贷款定价的方法。
Proceed from the considerations loan assets financial product distribution thought, according to market relations, method finding loan fixed price is discussed.
如果银行贷款定价过低，其贷款收入则不能抵补贷款违约所造成的损失和经营成本。
If loan price is over low, the loan revenue cannot compensate loss by default and operation cost.
第三，企业年龄、资产规模、速动比率以及抵押方式等对贷款定价均存在一定影响。
Third, total assets, quick ratio, patterns of guarantee or collateral and number of operating years of firms also have influence on loan pricing.
随着利率市场化进程的加快，我国商业银行的贷款定价体系面临着越来越严峻的考验。
With the quickened steps of market-oriented interest rate, the loan pricing system for our commercial Banks is confronting with an increasingly serious test.
建立完善贷款定价体系对商业银行适应利率市场化、增强抵御利率风险具有重大意义。
Establishing a sound loan pricing system is of Paramount importance for commercial Banks to adapt to the marketization of interest rate and enhance their power to ward off interest rate risks.
而我国现行的贷款定价方法是管制利率时期的贷款定价方法，不适合转轨时期的要求。
The current method of loan pricing is the one that is applicable to the period of interest rate control but not fit for the transition period.
通过分析西方商业银行经典的贷款定价理论，可以为完善我国贷款定价体系提供借鉴。
This paper analyses the classic loan pricing theories practiced by western commercial banks, and puts forward some suggestions for the improvement of loan pricing system for Chinese banks.
而我国现行的贷款定价方法是管制利率时期的贷款定价方法，不适合转轨时期的要求。
And our country's current loan pricing method is the loan pricing method of period of the regulated interest rate, not fit for the requirement of period of transition.
国外银行贷款定价方法主要有成本相加法、价格领导法、客户盈利性分析法等三种模式。
Cost-plus Loan Pricing, Price Leadership, and Customer Profitability Analysis are the three main methods of loan pricing in foreign banks.
贷款定价是商业银行经营管理体系的核心组成部分，是确保商业银行实现效益的关键因素。
The pricing of loan is a key component that the commercial bank manages the management system, guarantee the key factor that the commercial bank realizes benefit.
合理的贷款定价可以使贷款满足安全性、收益性、流动性的要求，有效地覆盖风险并具有竞争力。
The rational loan pricing will make loans safe, benefit able and flexible, which will efficiently overlay the risk and be competitive.
因此，如何构建一个恰当的贷款定价模型，合理地制定贷款价格，一直是商业银行面临的重要课题。
Therefore, how to develop an appropriate pricing model to price the loans is an important problem that commercial banks have been facing for many years.
在分析循环贷款和简化模型主要特征的基础上，提出了应用简化模型解决循环贷款定价问题的建模思想。
Based on analyzing the main characters of the revolver loan and reduced form models, the modeling idea about pricing the revolver loan is presented by applying reduced form model.
在分析循环贷款和简化模型主要特征的基础上，提出了应用简化模型解决循环贷款定价问题的建模思想。
Based on analyzing the main characters of the revolver loan and reduced form models, the modeling idea about pricing the revolver loan is presented by applying reduced form model.
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