摘要
近年来我国商业银行信贷业务快速扩张势头尤为强劲,但与其相适应的信贷业务经营收益水平却未随之同步提高,由此凸显出信贷业务快速扩张背后贷款定价问题的困扰。关注和重视研究并采取相应的策略取向,提高我国商业银行的贷款定价能力应对这一困扰,从而在信贷业务经营过程中,卡准信贷资金成本与收益的啮合点,做到信贷业务经营成本的可控性,提高信贷业务经营收益水平就显得尤为迫切和重要。
Though commercial banks in China have expanded their credit business recently, their income level has not increased accordingly. This reflects the loan pricing problem behind the expansion of credit business. The article believes that we should study and take measures to help our commercial banks to overcome the problem. In the process of crediting, banks should control costs of credit business by calculating the exact balance point between costs and benefits. Now, it is very important to increase income level of credit business.
出处
《上海金融学院学报》
2008年第2期39-45,共7页
Journal of Shanhai Finance University
关键词
商业银行
信贷业务
经营成本
贷款定价
commercial banks
credit business
business cost
loan pricing
