贷款价格 meaning in English
loan price
Examples
- Therefore , whether the loan price reasonable or not becomes the key to all the bank business related to loan
因此贷款价格制定是否合理就关系到银行与贷款有关的一切经营活动的成败。 - Since then , commercial banks have the right to make the loan price on the basis of basic rate declared by the people ’ s bank
但是从2004年10月29日起,我国人民银行规定各商业银行可在基准利率基础上自行决定贷款价格。 - In concrete , the loan price is made up of five parts , including inner capital transmitting price , working fee rate for certain loan , default risk compensation rate , goal profit rate of the commercial bank , rate adjusted extent
在这种方式指导下的贷款价格由内部资金转移价格、该笔贷款的营运费用率、违约风险补偿率、银行目标利润率、利率的调整幅度五部分构成。 - Based on the exploration of lending pricing behaviors of banks during the historic process of the interest rate system reform , the paper mainly discusses the genesis mechanism of lending price and the interrelated implicit interest rate under the condition of financial regulation , analyses the external and internal factors which influence the lending pricing decision - making process of the microeconomic bodies ( banks and enterprises ) . and based on the contrast of the lending pricing modes which are popular at home and abroad now , the paper designs a lending pricing model of compound interest rate , which can be applied to the market - oriented interest rate circumstance
本文将银行的贷款定价行为置于利率体制变革的历史进程中加以考察，重点讨论了金融管制条件下贷款价格的生成机制及与此相关的隐性利率，分析了影响微观经济主体(银行和企业)贷款定价决策的内外部因素，并在对比国内外当前普遍采用的贷款定价模式的基础上，设计了适用于利率市场化环境的贷款复利定价模型。 - On the data statistics of annual reports of four state - owned commercial banks ( 2004 ) , loan revenue take up above 60 % of commercial bank ' s operating income , loan accounts for above 85 % of commercial bank ' s asset . so , it is important that whether loan price could cover cost and risk of bank , and whether it could get the maximum of benefit
根据四大国有商业银行2004年年报的数据,贷款占资产总额的平均比重为60 % ,利息收入占营业收入的平均比重为85 % 。可见,贷款定价是否合理,贷款价格能否补偿银行的成本和风险,对商业银行的发展至关重要。