商业贷款理论

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 .

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 .

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.

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 .