Chapter Three, Credit risk and loan pricing.
第三章，信用风险与贷款定价。
Development Bank loan pricing also exist similar problems.
国家开发银行在贷款定价方面也存在类似的问题。
So loan pricing competition is the normality in market competition.
因此价格竞争将是银行信贷市场竞争的常态。
The fourth one discusses the loan pricing model based on future DEA efficiency.
第四章建立了基于未来DEA效率的贷款定价模型研究。
The second one expounds the loan pricing model based on DEA optimal efficiency.
第二章建立了基于DEA最优效率的贷款定价模型研究。
The fifth one establishes the loan pricing model based on future SFA efficiency.
第五章建立了基于未来SFA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.
第三章建立了基于SFA最优效率的贷款定价模型研究。
The author hopes to make reference to commercial banks of China though analysing and comparing the methods of 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。
Firstly, the author discusses the loan pricing theory, this means credit rationing, converse selection and inspirit effect, etc.
首先，作者简述了现代商业银行贷款定价的理论依据：信贷配给理论、利率的逆向选择、利率的激励效应和贷款担保理论。
The rational loan pricing will make loans safe, benefit able and flexible, which will efficiently overlay the risk and be competitive.
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。
Cost-plus Loan Pricing, Price Leadership, and Customer Profitability Analysis are the three main methods of loan pricing in foreign banks.
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。
In chapter 5 ~ (th), by utilizing the Markov models of credit transition probability matrix, we study the problem of forward loan pricing.
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。
Similarly, owning advanced loan pricing technology or not is an important manifestation of the core competition abilities of retail Banks.
同样，是否拥有先进的定价技术，也是零售银行核心竞争的重要体现。
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.
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。
Hence, in this paper, we develop a loan pricing model based on customer value, which amended with customer lifetime value and economic capital.
基于此，本文提出了基于客户价值的零售银行贷款定价模型，并用客户终身价值以及经济资本对模型进行修正。
Third, total assets, quick ratio, patterns of guarantee or collateral and number of operating years of firms also have influence on loan pricing.
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。
Meanwhile, the New Basel Capital Accord sets higher requirements to commercial Banks' risk management, this paper chose risk-based method for loan pricing.
与此同时，巴塞尔新资本协议给商业银行的风险管理水平提出了更高的要求，因此本文选择了基于风险测量的定价方法进行研究。
With the quickened steps of market-oriented interest rate, the loan pricing system for our commercial Banks is confronting with an increasingly serious test.
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。
Moreover, it selected a case to verify the application of float price in the loan pricing which practice that float price can avoid the market-risk for Banks.
并且在方法研究的基础上选取案例来检验浮动利率在贷款定价实践中的应用情况，指出贷款利率采取浮动方式可为银行规避一定的市场风险。
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.
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。
China's benchmark lending rate is at an all-time low of 4.35 per cent for one-year loans, and interest rate deregulation has forced lenders to compete on deposit and loan pricing.
中国的基准贷款利率正处于历史最低点，一年期贷款利率为4.35%；同时利率市场化迫使银行在存款和贷款的定价上展开竞争。
By analyzing the cost of loan, it emphasizes basic methods of fund transferable price, and focuses on the application of cash flow-based the-due-date-matched method in loan pricing.
贷款资金成本定价着重分析了银行内部资金转移价格的基本制定方法，重点论述了基于现金流量的到期日匹配法在贷款定价中的应用。
Grounded on the integration of the traditional pricing model, it put forward the mortgage loan pricing system based on risk evaluation which circles around the central effect factors.
在分析研究的基础上，针对其主要影响因素，结合现有定价模型，提出基于风险评价的住房贷款定价体系。
The loan pricing of The Guangdong Development Bank are currently up to standard interest rate made by The People's Bank of China plus, or multiply, that is more common, floating rates.
广东发展银行目前的贷款定价是以人行规定的基准利率加上或者乘以浮动比率作为贷款价格，其中以基准利率乘以浮动比率更为常见。
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.
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。
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.
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。
According to the factors such as supply-demand relation of the capital market, client-bank relation, rate of identity of bank and so on, the loan pricing was confirmed by the method of negotiations.
根据资金市场的供求关系、客户和银行的关系、银行知名度等因素通过谈判的形式确定，而不考虑客户的评级情况、违约率等等。
Normally regulators are not concerned with the pricing of internal transfers, but for Banks the cost of borrowing is inextricably tied to the riskiness of the loan.
正常情况下监管部门不会关注内部转移存款的定价，但对于银行来说，借钱的成本毫无疑问是与贷款的风险相关联的。
Normally regulators are not concerned with the pricing of internal transfers, but for Banks the cost of borrowing is inextricably tied to the riskiness of the loan.
正常情况下监管部门不会关注内部转移存款的定价，但对于银行来说，借钱的成本毫无疑问是与贷款的风险相关联的。
应用推荐