前言近年来,湖北宜昌地区的一些商业银行积极开展贷款利率定价机制创新,灵活定价,寻求支持经济发展与风险覆盖的平衡,探索出了一些经验。例如,汉口银行宜昌分行深入研究针对小微企业客户利率的风险定价机制,对不同的小微企业或不同授信实行差别定价,实现收益与风险的有效平衡;湖北银行宜昌分行于2009年制定了《小微企业贷款利率定价管理办法》,在定价体系中引入了基本利 Preface In recent years, some commercial banks in Yichang, Hubei Province have actively carried out innovations in pricing mechanism for lending rates, flexibly priced them, and sought to support the balance between economic development and risk coverage and have explored some experiences. For example, Yichang Branch of Hankou Bank conducted in-depth research on the risk pricing mechanism for the interest rates of small and micro enterprises, implemented differential pricing on different small and micro enterprises or different credit grants, and effectively balanced returns and risks; Yichang Branch of Hubei Bank formulated the “ Small and micro enterprise loan interest rate pricing management approach ”, introduced in the pricing system, the basic profit