客户盈利分析 meaning in English
customer profitability analysis
Examples
- First of all , this essay introduces the basic theory , the principle and the goal of the loan pricing of commercial bank . then , according to our country actual situation , this paper gives two pricing models : cost - plus pricing model and the customer profitability analysis model by learning from the western commercial bank ' s tradition loan pricing model , by the guidance of economic capital the modern bank risk management core technology
本文首先论述了贷款定价的基本原理、贷款定价的原则和目标,然后借鉴西方商业银行传统定价模型,结合我国实际情况,以现代银行风险管理的核心技术经济资本为指导,给出了适合我国的商业银行贷款定价模型,即针对一般客户的成本加成模型和针对重要客户的客户盈利分析模型。 - In order to make the research of this paper more practicable , the paper combines the actual situation of market - oriented interest rate of china , compares and analyses the base leading rate affixation model , the cost plus pricing model , and the customer profitability analysis model , which are all very popular abroad . based on this , and according to the basic principles of lending pricing , the paper introduces the concept of loan - term compound interest , and constructs a lending pricing model on " the mobile choice between cost and market price " , which is practicable under the condition of market - oriented interest rate
为使本文的研究更有实践意义，本文结合中国利率市场化趋势，比较分析了国外普遍采用的“基准利率加点” 、 “成本加成” 、 “客户盈利分析”等贷款定价模式在中国的适用性，并在此基础上，根据贷款定价的基本原则，引入贷款期限复利概念，构建了利率市场化条件下具有实际可操作性的“成本与市价相机诀择”的贷款定价模型。