The loan price in a broad sense includes loan interest rate, loan commitment fee and service fee, prepayment or overdue penalty, etc. The loan interest rate is the main component of the loan price. In macroeconomic operation, the main factor affecting the overall level of loan interest rate is the supply and demand of funds in the credit market. From the micro level, in the actual operation of loan business, banks as loan suppliers should consider many factors. Banks sometimes require borrowers to maintain a certain deposit balance, that is, the deposit compensation balance, as an additional condition for issuing loans. The balance of deposit compensation is actually an implied loan price, so it has a trade-off relationship with the loan interest rate. On the basis of comprehensive consideration of various factors, banks have formulated several loan pricing methods, each of which embodies different pricing strategies.