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zhong guo shang ye yin xing xiao fei zhe dai kuan ding jia yan jiu
Pages: 82-84
Year: Issue:  12
Journal: Economic Tribune

Keyword:  消费者贷款定价商业银行成本加成定价贷款利率;
Abstract: 消费者贷款定价属于商业银行贷款定价的零售业务,目前我国商业银行主要采用成本加成定价方法对消费贷款品种进行定价。但这种定价方法有缺陷。笔者把客户盈利性分析定价应用到消费信贷定价中,并对它有所改进,从而建立了一种更适合消费信贷定价的模型。
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