随着国家加大对中小企业的扶持力度,各商业银行开始将中心向中小企业倾斜。但一些基层商业银行对中小企业贷款定价上采取谨慎甚至随意的定价模式,没有充分运用自主定价权,使得各商业银行与中小企业之间都处在尴尬的位置。本文尝试探讨如何提高中小企业贷款定价能力。 As the state stepped up its efforts to support small and medium-sized enterprises, commercial banks began to tilt their centers to small and medium-sized enterprises. However, some grass-root commercial banks take a cautious and even arbitrary pricing model on the pricing of loans to SMEs. They have not made full use of their own pricing power, leaving all commercial banks and SMEs in an awkward position. This article attempts to explore how to improve the loan pricing ability of SMEs.