结合 LJ 银行现状，对比现行使用的贷款产品定价模型处于哪个发展阶段，
存在哪些不足之处。通过对相关金融机构调研分析，研究其他地方制股份制商
业银行贷款产品定价体系建设的构思，构建新的贷款产品定价模型各管理方式
通过与同行业专业人员沟通，了解其贷款产品定价管理职责分工、业务处理流
程是否完善，配套设施建设是否满足管理需要等。通过权重法计算风险加权成
本重要组成因素之一的信用风险成本，具体权重值根据巴塞尔协议中明确的各
项指标数据。通过初级法计算风险成本中多种抵质押品的违约损失率，分别以
金融质押品、商用及居住用房地产、其他抵质押品等的计算方式。制定出全成
本核算的贷款产品定价模型，实现对资金成本、运营成本、风险成本、资本成
本的核算。贷款产品定价管理还需对制度体系的建设，以制度指导业务发展
明晰各部门、各岗位人员职责，设定牵头部门负责以协调各业务部门间工作，
达到相互配合提高工作效率的目的。梳理业务流程，将能简化的流程简化，提
高业务处理效率。同时，人员体系需逐步完善，并强化业务人员内外部培训
将贷款产品定价作为绩效考核依据之一，与个人收益挂钩，使贷款产品定价更
具执行力
本文的探讨和研究，为贷款产品定价管理在全行推广，价格的合理性、各
项功能的发挥，对业务的引导和支持等，进而提升全行整体经营管理水平，起
到了至关重要的作用
关键词贷款产品；定价管理；全面成本核算；优化设计II
Research on the Optimization of LJ Bank Loan
Product Pricing Management System
Abstract
The pricing of loan products is a necessary requirement for the commercial
banks to deal with the internal and external business environment. Loan pricing is
accompanied by interest rate marketization, financial disintermediation and
competition intensifies and the emergence of a kind of advanced management tools,
and is playing an increasingly important role. Compared with some large joint-stock
commercial Banks, LJ bank loan pricing at the stage of trial and error, constantly
sum up experience in the start stage, through the consult literature at home and
abroad, to grasp the development of loan pricing phase and use different
development stages of pricing model, influence factors and so on.
Together with the present situation of LJ Banks, compared to the current use of
loan pricing model in which stage of development, what are disadvantages. Through
the study on the investigation of related financial institutions analysis, other local
joint-stock commercial bank loan pricing system construction idea, build new way of
the management of loan pricing model. Research and study of the paper, the loan
pricing management in the whole line of promotion, price is reasonable, the function
of play, the business guidance and support, etc., and thus enhance the overall
management level, has played a crucial role. Through the communication with the
same industry professionals, understand its loan pricing management responsibility
division of labor, business process is perfect, supporting facilities construction
whether meet the requirements of management, etc. By weighting method to
calculate risk-weighted costs is an important factor in the credit risk cost, the specific
weight value according to definite the indicators data in Basel. Through the primary
method to calculate the cost of risk in a variety of default loss rate of collateral,
respectively by financial collateral, and other commercial and residential real estate
for calculation of collateral, etc. Work out total cost accounting of the loan pricing
model, implementation of capital costs, operating costs, risks costs, accounting costs,III
capital costs. Loan pricing management need of the construction the system to guide
the business development. Clear all departments and all staff responsibilities, set lead
department is responsible for the work in coordination between different business
units, to achieve the purpose of mutual cooperate to improve the work efficiency.
Combing the business process, will be able to process simplification, improve the
efficiency of business processing. At the same time, gradually perfect the personnel
system, and strengthen the internal and external business personnel training. The loan
pricing as one of performance appraisal basis, linked to personal benefits, make the
product pricing is more execution.
Keywords:loan products, pricing management, full costing,the optimization design
目录IV
摘要.......I
Abstract……..II
第 1 章绪论......1
1.1 研究背景........... 1
1.2 研究目的和意义........... 1
1.2.1 研究目的 .......1
1.2.2 研究意义 ........2
1.3 国内外研究现状........... 3
1.3.1 国外研究现状 ..........3
1.3.2 国内研究现状 ..........4
1.4 研究内容与研究方法 5
1.4.1 研究内容 ....5
1.4.2 研究方法 ....6
1.4.3 技术路线 ....6
第 2 章 LJ 银行贷款产品定价管理体系分析7
2.1LJ 银行贷款产品定价管理体系现状.... 7
2.1.1LJ 银行概况....7
2.1.2LJ 银行贷款产品定价管理现状 ...8
2.2LJ 银行贷款产品定价管理体系存在的问题.... 9
2.2.1 贷款产品定价模型单一.....9
2.2.2 贷款产品定价流程复杂...11
2.2.3 贷款产品定价部门职责不明晰 ........... 12
2.3 本章小结.......... 14
第 3 章 LJ 银行贷款产品定价管理体系优化设计..16
3.1 贷款产品定价管理优化原则.. 16
3.2 贷款产品定价管理优化目标.. 16
3.3 贷款产品定价模型改进.......... 17
3.3.1 运营成本 ..... 18
3.3.2 风险成本 ..... 20
3.2.3 资本成本 ..... 24
3.4 定价流程优化. 27
3.4.1 贷款产品定价触发流程. 27V
3.4.2 贷款产品定价决策流程.. 28
3.5 部门职责优化.. 29
3.6 本章小结.......... 30
第 4 章 LJ 银行贷款产品定价管理应用及实施保障...........31
4.1LJ 银行贷款产品定价实例分析.......... 31
4.1.1 贷款产品定价数据测算.. 31
4.1.2 贷款产品定价数据分析.. 33
4.2LJ 银行贷款产品定价管理保障措施.. 33
4.2.1 加强贷款产品定价数据质量管理........ 33
4.2.2 贷款产品定价 IT 系统建设与运行...... 35
4.2.3 强化业务人员内外部培训 ......... 38
4.2.4 贷款产品定价应用于绩效考核39
4.3 本章小结.......... 40
结论....41
参考文献........42
致谢....45
个人简介........461
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