运用基于期权定价理论的KMV模型来得到公司的预期违约率和违约损失，从而能合理地确定贷款利率。

The KMV Model, which is based on Merton′s option pricing theory, is applied to get the expected default frequency and default loss of the loan.

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我国不良贷款的成因、质量和市场环境具有相当的特殊性和复杂性，因此不良贷款的转移定价一直是我国资产管理公司所关心的难点问题。

There is much speciality in the reasons, quality and market environment of our countrys non-performing loan, so its pricing is always a problem that been concerned by the asset management corporation.

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