Its scientific and reasonable loan pricing level is the key to win in the fierce equity crowdfunding competition. This paper selects the financial data of 4 1 city commercial banks1998-2015 in Pan-Pearl River Delta region as a panel regression model, and draws the conclusion that the business management fees of city commercial banks have the greatest influence on loan pricing, the regional economic growth rate is positively related to the loan pricing level, the bank's anti-risk ability has a positive effect on loan interest income, and the close relationship between banks and loan customers will affect the loan pricing level. Therefore, Guangxi city commercial banks should optimize the loan pricing model, strengthen cost accounting, improve the pricing level of personalized loans, enhance their ability to resist risks and actively safeguard customer relations.