Basic principles of personal consumption loan pricing

At present, China's commercial banks have adopted inappropriate pricing strategies for different types of personal consumption loans, and the pricing side understands this.

Generally speaking, follow the following three principles:

1. Considering the principle of "safety, liquidity and profitability", the pricing of personal consumption loans should not only cover risks, compensate various costs and expected losses, but also allow banks to obtain necessary benefits and balance the prices of the three aspects, so as to finally achieve a win-win situation.

2. With the "loan risk" as the pricing core, only the right to use funds is transferred, not the ownership. Therefore, banks are faced with loss rate risk, market risk, credit risk and operational risk from the beginning of loan issuance. Among them, credit risk is the most important, which determines the core of personal consumption loan pricing.

3. Taking the "loan cost" as the price, the main income of the floor bank in personal consumption loans is spread income, so the interest rate pricing of personal consumption loans is the only source of income. Business must first make up loans, and the pricing of consumer loans should take this as the lower limit, balance risks and capital costs, and ensure the operating efficiency of grassroots banks.

4. According to wind, personal consumption loan products have different risks due to different purposes, customer groups, loan methods and loan periods. On the one hand, customers with different credit ratings have different degrees of default risk, on the other hand, different loan varieties also have different degrees of risk differences due to different product characteristics. Therefore, this requires different types of personal consumption loan products, different credit lines and different interest rate floating space.

2. What are the basic principles for pricing personal consumption loans?

First, give consideration to the principles of safety, liquidity and profitability.

The pricing of personal consumption loans should not only cover risks, compensate various costs and expected losses, but also enable banks to obtain necessary income. Therefore, this price should be a balanced price that takes into account the three characteristics, and finally achieve a win-win situation.

Second, take the loan risk as the pricing core.

Personal consumption loan, as a special product different from traditional commodities, only transfers the right to use funds, not the ownership. Therefore, banks are faced with various risks of capital loss from the beginning of loan issuance, such as interest rate risk, market risk, credit risk and operational risk. Among them, credit risk is the most important, so the measurement of the borrower's credit risk is the core of determining the pricing of personal consumption loans.

Third, take the loan cost as price floor.

The main income of banks in personal consumption loans is spread income, so the interest rate pricing of personal consumption loans is the only source of income. In order to obtain spread income, commercial banks must first make up for the loan cost. Therefore, the pricing of personal consumption loans should take this as the lower limit, covering loan cost, average risk and capital cost, ensuring the basic cost-benefit balance and realizing the operational efficiency of banks.

Fourth, take the risk difference as the basis of price fluctuation.

Personal consumption loan products have different risks due to different purposes, customer groups, loan methods and loan periods. On the one hand, customers with different credit ratings have different degrees of default risk, on the other hand, different loan varieties also have different degrees of risk differences due to different product characteristics. Therefore, it is necessary to determine different interest rate floating space for different types of personal consumption loan products and customers with different credit ratings.

3. What are the basic principles for pricing personal consumption loans?

First, give consideration to the principles of safety, liquidity and profitability.

The pricing of personal consumption loans should not only cover risks, compensate various costs and expected losses, but also enable banks to obtain necessary income. Therefore, this price should be a balanced price that takes into account the three characteristics, and finally achieve a win-win situation.

Second, take the loan risk as the pricing core.

Personal consumption loan, as a special product different from traditional commodities, only transfers the right to use funds, not the ownership. Therefore, banks are faced with various risks of capital loss from the beginning of loan issuance, such as interest rate risk, market risk, credit risk and operational risk. Among them, credit risk is the most important, so the measurement of the borrower's credit risk is the core of determining the pricing of personal consumption loans.

Third, take the loan cost as price floor.

The main income of banks in personal consumption loans is spread income, so the interest rate pricing of personal consumption loans is the only source of income. In order to obtain spread income, commercial banks must first make up for the loan cost. Therefore, the pricing of personal consumption loans should take this as the lower limit, covering loan cost, average risk and capital cost, ensuring the basic cost-benefit balance and realizing the operational efficiency of banks.

Fourth, take the risk difference as the basis of price fluctuation.

Personal consumption loan products have different risks due to different purposes, customer groups, loan methods and loan periods. On the one hand, customers with different credit ratings have different degrees of default risk, on the other hand, different loan varieties also have different degrees of risk differences due to different product characteristics. Therefore, it is necessary to determine different interest rate floating space for different types of personal consumption loan products and customers with different credit ratings.

Fourth, shake the store pricing method and pricing strategy?

1 is very flexible and can be adjusted according to specific conditions.

There are three main pricing methods: brand premium pricing, cost-oriented pricing and demand-oriented pricing.

The pricing strategy of rocking shop can adopt many strategies, such as high price strategy, low price strategy, promotion strategy and so on.

According to different products and market positioning, the pricing methods and strategies of shake shops should also be flexible.

Need to consider the uniqueness of products, target consumer groups and market competition.