Abstract
As China's market-oriented interest rate reform deepens, China's commercial banks in pricing loans on the autonomy of the release, the loan pricing issue also has some new breakthroughs. However, many loan pricing issues also will be highlighted, such as China's commercial banks lack the appropriate risk pricing and management capacity, the loan pricing model operable not strong, and the lack of real sense, such as the benchmark interest rate. How to improve the interest rate pricing mechanisms and market interest rate system to identify a single benchmark interest rate pricing mechanism, establish and improve the scientific and efficient interest rate pricing system, improve the interest rate risk internal control mechanism, improve risk control and management capacity, China's commercial banks on loan pricing of science Management is of great significance。From all levels of in-depth study of the commercial bank loan pricing in the status quo, as well as countermeasures. Through foreign loans and to compare pricing practice, through analysis of loan pricing model to find the essence of China's loan pricing existing problems and put forward countermeasures, with a view to guiding China's real commercial bank loan pricing。