Research on lending rate of Chinese commercial banks

In the context of lending rate market, the research on the pricing model of lending rate is currently a major challenge for commercial banks. State-owned commercial banks and joint-stock commercial banks are two representative types of banks in China, and its asset size and market share are top two in the industry. Therefore, the study of commercial bank loan interest rate pricing mechanism is of great significance. This paper selects some listed companies' loan data in the state-owned commercial banks and joint-stock commercial bank, and makes empirical analysis. Research shows that the pricing behavior feature of state-owned commercial banks' and joint-stock commercial banks' lending rates are significantly different and joint-stock commercial banks in determining lending rates has a higher operating efficiency.