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dai kuan ding jia de san ge qie ru dian he san ge luo jiao dian
Author(s): 
Pages: 19-20
Year: Issue:  4
Journal: Rural Credit Cooperative of China

Keyword:  贷款定价金融脱媒银行经营绩效内评净息差农商银行经营环境黄金法则大影流程银行;
Abstract: <正>收益覆盖风险是贷款定价的黄金法则,农村中小金融机构应当加快内评法的建设,但对内评法的结果运用要涝慎,同时防止片面追求高收益而过度承担信用风险的经营冲动自2014年11月本轮降息通道开启以来,贷款基准利率已降至历史低位,银行净息差急剧收窄,贷款定价管理在未来一段时期对银行经营绩效有重大影Ⅱ向。同时,金融脱媒带来银行的"资产荒",如果银行失去了卖方市场的谈判地位,又没有高效的贷款定价能力,将会
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