商业贷款理论
- 网络Commercial-Loan Theory;Commercial loan theory
![商业贷款理论](../cache/27718.jpg)
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第2章,相关理论综述。主要对商业贷款理论、全面风险管理理论进行了介绍和分析。
Chapter 2 mainly discusses pertinent theories including theory of commercial loans and risk management .
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1929-1933年的经济危机后,一部分金融经济专家,包括政府官员依据真实票据论、商业贷款理论、利益冲突理论来批评混业经营体制。
After the ecomomic crisis of 1929 ─ 1933 , some financial experts including some government officials criticized mixed business system on the basis of Real Bill Theory Commercial Loans Theory Profil Conflict .
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首先,作者简述了现代商业银行贷款定价的理论依据:信贷配给理论、利率的逆向选择、利率的激励效应和贷款担保理论。
Firstly , the author discusses the loan pricing theory , this means credit rationing , converse selection and inspirit effect , etc.
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在我国利率市场化的背景之下,借鉴西方国家商业银行的贷款定价理论和方法,分析影响我国商业银行贷款定价的因素,提出适合我国商业银行实际的贷款定价模型和方法。
Under the background of the interest rate liberalization in China , this paper makes an analysis of the factors which affect the loan pricing and puts forward a more feasible loan pricing model and methodology for commercial banks in China by sharing experience of western commercial banks .