[1]董晓林,吕沙,张惠乾.农村商业银行小微企业贷款定价研究[J].南京农业大学学报(社科版),2016,16(4):100-109.
　DONG Xiaolin,LV Sha,ZHANG Huiqian.On Loan Pricing of Micro and Small Enterprises in Rural Commercial Banks[J].Journal of Nanjing Agricultural University(Social Science),2016,16(4):100-109.
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农村商业银行小微企业贷款定价研究()
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南京农业大学学报（社科版）[ISSN:1006-6977/CN:61-1281/TN]

卷:
16
期数:
2016年4期
页码:
100-109
栏目:
农业经济
出版日期:
2016-06-20

文章信息/Info

Title:
On Loan Pricing of Micro and Small Enterprises in Rural Commercial Banks
作者:
董晓林1;  吕沙2;  张惠乾2
1.南京农业大学 金融学院/江苏农村金融发展研究中心, 江苏 南京 210095;
2. 南京农业大学 经济管理学院, 江苏 南京 210095
Author(s):
DONG Xiaolin1;  LV Sha2;  ZHANG Huiqian2
关键词:
贷款定价; 小微企业; 融资成本; 利率市场化
分类号:
F830.6
摘要:
文章从农村商业银行贷款定价的视角,通过梳理国内外已有的贷款定价方法,结合贷款定价原则和小微企业自身特点进行理论分析,提出了基于客户关系以市场为导向的贷款定价模式,给出了相应的计算模型并利用2012-2014年江苏省某农村商业银行的小微企业贷款数据实证检验了该模型的科学性和可行性,同时通过与原有定价结果的比较,剖析了农村商业银行的贷款定价方法对于小微企业融资成本的影响。最后,文章认为当前农村商业银行要做到科学合理的贷款定价需要在定价时注重对于小微企业违约概率的衡量,并由此选择适合企业特征的预测模型,进一步创新贷款技术,在这种情况下,可以在控制小微企业贷款风险的同时降低整体的小微企业融资成本,缓解小微企业融资贵的难题。
Abstract:
From the perspective of rural commercial bank loan pricing, by sorting out existing loan pricing methods home and broad, the paper carried out a theoretical analysis by combining principles of loan pricing with micro and small enterprises’ own characteristics, and proposed a market-oriented loan pricing model based on customer relationship, and gave the corresponding calculation model and tested the scientificness and feasibility of the model on the data of micro and small enterprises loan from a rural commercial bank during 2012-2014 in Jiangsu Province. At the same time, through the comparison with the original pricing results, the paper analyzed the impact of loan pricing method on the cost of financing of micro and small enterprises. Finally, the paper showed that the rural commercial bank needed to lay stress on the measurement of the default probability and thereby selected the suitable prediction model with the features of the enterprises when pricing if the bank wanted a scientific and reasonable loan pricing, and then further innovated loan technology. In this case the bank can be in control of loan risk for micro and small enterprise while reducing the overall financing cost of micro and small enterprise, easing the problem of micro and small enterprise financing.

参考文献/References:

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备注/Memo

备注/Memo:
收稿日期:2016-02-14。
基金项目:国家社会科学基金重点项目"信息化趋势下普惠金融发展问题研究"(15AJY020);江苏省社会科学基金重点项目"金融支持小微企业发展研究"(13GLA002);南京农业大学中央高校基本科研业务费人文社科研究基地项目(SKJD2014001)
作者简介:董晓林,女,南京农业大学金融学院教授,博士生导师,江苏农村金融发展研究中心主任。E-mail:dongxiaolin@njau.edu.cn
更新日期/Last Update: 1900-01-01