In order to make the research of this paper more practicable , the paper combines the actual situation of market - oriented interest rate of china , compares and analyses the base leading rate affixation model , the cost plus pricing model , and the customer profitability analysis model , which are all very popular abroad . based on this , and according to the basic principles of lending pricing , the paper introduces the concept of loan - term compound interest , and constructs a lending pricing model on " the mobile choice between cost and market price " , which is practicable under the condition of market - oriented interest rate
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