实行利率市场化后,商业银行面临更多的利率风险和信用风险,因此,要求商业银行根据自身的实际情况选择合理的贷款定价策略。目前,商业银行贷款定价操作实践尚处于起步阶段,仍存在不少问题。本文从营造商业银行贷款定价机制有效运行的微观基础和外部条件等角度提出了若干建议,并给出了当前我国商业银行贷款定价的适用模式。 After the interest rate liberalization, commercial banks face more interest rate risk and credit risk. Therefore, commercial banks are required to choose a reasonable loan pricing strategy according to their actual conditions. At present, the commercial bank loan pricing practice is still in its infancy, there are still many problems. In this paper, we put forward some suggestions from the perspective of building a micro-foundation and external conditions for the effective operation of the pricing mechanism of commercial bank loans. At the same time, we give some applicable models for pricing of commercial banks in our country.