差别化的贷款利率定价模型设计及系统实现

随着经济社会的发展,银行贷款品种日益增多,如何灵活地控制每种贷款品种的利率浮动水平,以及针对每位客户科学、合理地给出贷款利率价格,具有非常重要的意义.为此,提出一种差别化的贷款利率定价模型,该模型不仅可以实现差别化的利率定价,而且可以严格控制各种贷款品种的最低及最高上浮比例.同时,在该模型中引入信用等级机制,可激励客户向优质客户转变.

Model Design and System Implementation of Differential Loan Pricing

With the development of society and economy, there is an increasing number of loan products. How to control the inter-est floating level of each type of loan product flexibly, and give reasonable interest price to loan customer, is very important to every customer manager. This paper proposes a differential loan pricing model, which can not only achieve differential price for each loan customer, but also strictly limit the minimum and maximum interest floating level for each loan product. At the same time, credit rank was introduced into this model, which will inspire the loan customers into good customers.