Differentiated loan interest rate pricing system and method

Abstract

The invention discloses a differentiated loan interest rate pricing system and method. The differentiated loan interest rate pricing system comprises a client basic information processing unit, a pricing unit, a pricing background unit, a data processing center and a storage module. The customer basic information processing unit is used for processing customer and associated person basic information. And the pricing unit determines the interest rate price of the client. And the pricing background unit is used for maintaining basic interest rates of different loan years, maintaining loan products and maintaining initial point adding amplitudes of the loan products. And the data processing center is used for calculating the daily average flow of the client and other pricing related data, andstoring the result to the storage module. And the storage module is used for storing the customer basic information data, the customer daily average flow data and the pricing list. The invention hasthe advantages that various contribution conditions of customers are considered, daily average flow of the customers can be effectively absorbed, and the customers are guided to make multiple contributions; meanwhile, the bargaining capability of a client manager is enhanced, and the interest rate management level is improved.

Description

technical field [0001] The invention relates to the technical field of loan interest rate pricing, in particular to a differentiated loan interest rate pricing system and method. Background technique [0002] In the process of commercial lending, banks generally adopt a cost-plus pricing model, which uses the full cost as the pricing basis. First estimate the variable cost of the unit product, then estimate the fixed cost, and allocate the fixed cost to the unit product according to the expected output, add the unit variable cost to find the total cost, and finally add the target profit rate to the total cost The calculated profit amount is the price. This calculation method is simple and easy to implement, and the information is easy to obtain, and it is priced according to the full cost, which can ensure that all costs incurred by the enterprise are compensated, and a certain amount of profit can be obtained under normal circumstances. [0003] The cost-plus pricing mode...

AI Technical Summary

Problems solved by technology

[0003] The cost-plus pricing model is a more commonly used pricing method for enterprises, but this method is a cost-oriented model. This model must accurately measure and allocate operating costs, which requires commercial banks not only to have a relatively mature and complete cost management System, but also fully estimate the default cost of the loan, the base is difficult, and the scope of application is limited

Moreover, in general, the pricing process does not take into account the contribution of customers, and the interest rates and prices enjoyed by customers are not very differentiated, which is not attractive to customers.

Moreover, some characteristic factors cannot be taken into consideration. If there are too many assessment factors, offline manual calculations will be complicated and management will be difficult.

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