联系我们

论文查询结果	返回搜索

论文编号：	6395
作者编号：	2120112803
上传时间：	2014/6/9 20:44:03
中文题目：	利率市场化改革与财务公司贷款定价研究
英文题目：	Research on marketability reform of interest rate and financial company loan pricing
指导老师：	程新生
中文关键字：	财务公司；利率市场化；贷款定价； 成本加成
英文关键字：	Financial company；Marketability reform of interest rate；Loan pricing；Cost plus
中文摘要：	长期的利率管制造成我国金融行业普遍缺乏贷款定价的经验，目前，国内金融机构在贷款定价方式上简单、僵硬，市场化程度低。随着利率市场化进程的稳步推进和金融市场竞争的日益激烈，作为国内金融领域新兴机构的财务公司更须借鉴商业银行成熟经验，结合自身实际情况，积极探索建立科学的、合理的贷款定价模式，以保证财务公司的稳健经营。信贷资产是金融机构的核心资产，同时，金融机构核心业务之一的贷款业务产生的利息收入是其利润的主要来源。金融机构的收益水平以及资产质量、客户结构和市场竞争力都受到其对贷款定价的影响。本文在利率市场化改革大背景，以财务公司为研究对象，分析利率波动对财务公司的影响，着重探讨适合财务公司的贷款定价模型，以期在其发展过程中从容应对利率市场化逐步开放所带来的外部冲击。基于这种背景，本文从与商业银行的对比中简单介绍了我国财务公司发展现状，分析了财务公司贷款定价的现状及存在的问题，结合贷款定价理论基础、一般贷款定价模式和国外先进经验三个方面介绍商业银行贷款定价理论，并对不同类商业银行即大型商业银行、股份制商业银行、中小商业银行所采用的贷款定价模式进行比较分析，最后对我国财务公司贷款定价模式进行探索，通过列举不同种类贷款定价理论模式及其理论依据，结合财务公司特点，最终选择对成本加成定价模式进行理论和实践的分析。论证结果显示，财务公司建立贷款定价模式是发展之必然，成本加成定价模式的选择能够适应财务公司的发展要素及特点，在成本估算及实际操作方面都具有很大优势。但由于目前财务公司行业历史数据较少，与目前较成熟的贷款定价模型将比，本文所建立的贷款定价模式所参考的影响因素并不宽泛，仅能适用于尚处于发展初期的财务公司，希望能对财务公司等非银行性金融机构在核心业务发展中略有所助。
英文摘要：	Owing to the long-term control of interest rate, China financial industry lack of loan pricing experience. At present, the way of loan pricing is simple, rigid, low degree of marketization in domestic financial institutions. With the marketization of interest rates steadily and financial market competition is becoming increasingly fierce, financial company, as a start-up company in the domestic financial sector, should learn from commercial banks to the mature experience, combined with their own actual situation, and actively explore the establishment of a scientific, reasonable loan pricing model, in order to ensure the stable operation of financial company. Credit asset is the core assets in financial institutions and interest income are one of the core businesses of financial institutions lending is the main source of profit. A financial institution, level of income and asset quality, customer structure and market competitiveness is its impact on loan pricing. In this paper, the financial company as the research object, analysis of the impact of interest rate volatility of financial company, focused on the appropriate loan pricing model of financial company, in order to take time for in the development process of interest rate marketization gradually open the external impacts. Based on this background, this paper focuses on the analysis of the present situation of financial company loan pricing and the existing problems, studies the commercial bank loan pricing theory. Based on that, this paper designs a loan pricing model, which suitable for the current development of financial company. Not limited to my theory level and experience, and the lack of relevant data and practical measure, many problems still exist in the pricing model, such as the loan pricing formula not through historical data analysis, etc.. Here, I hope to provide an idea of the construction of the loan pricing mechanism for our country financial company, hope and discussion of this research can be the development of financial companies contributed a lot. The results show that, financial company establishing the loan pricing model is inevitable, cost plus pricing model of choice to adapt to the development and characteristics of the elements of financial company, has great advantages in cost estimation and the actual operation. But because of the current financial industry lack of historical data, and the current loan pricing model is more mature than, factors that influence the loan pricing model reference not broad, is only applicable to the early stage of financial company, hoping to financial company s and other non-bank financial institutions should help in the core business development of syncope.
查看全文：	预览  下载(下载需要进行登录)