在我国利率市场化改革逐步推进的过程中,贷款利率浮动区间逐步加大,商业银行自主定价的空间逐步拓展。面对激烈的外部市场竞争与内在的盈利需求,建立科学的贷款利率定价机制、提高贷款利率定价能力已成为商业银行的迫切要求。当前,我国中资商业银行正在积极拓展中小企业贷款业务、调整信贷客户结构,在这一过程中,合理开展中小企业贷款利率定价的重要性日益凸显。 In the process of marketization of interest rate liberalization in our country, the floating range of loan interest rates gradually increases, and the space for independent pricing of commercial banks gradually expands. In the face of fierce external market competition and inherent profit demand, establishing a scientific loan interest rate pricing mechanism and increasing the interest rate of loan interest has become an urgent requirement of commercial banks. At present, Chinese commercial banks in China are actively expanding the SME lending business and adjusting the credit customer structure. In this process, the importance of properly pricing the interest rates of lending to SMEs has become increasingly prominent.