{"id":75847,"date":"2025-06-30T16:34:24","date_gmt":"2025-06-30T16:34:24","guid":{"rendered":"https:\/\/smebanking.news\/?post_type=product&amp;p=16642"},"modified":"2025-06-30T16:34:24","modified_gmt":"2025-06-30T16:34:24","slug":"16642-a-new-pricing-approach-for-sme-loans-2","status":"publish","type":"product","link":"https:\/\/smebanking.agency\/platform\/report\/16642-a-new-pricing-approach-for-sme-loans-2\/","title":{"rendered":"A new pricing approach for SME loans issued by commercial banks based on credit score mapping and archimedean copula simulation"},"content":{"rendered":"<p>Greater competition and diversity in lending, payments, insurance, trading, and other areas of financial services can create a more efficient and resilient financial system.<\/p>\n<p>Notwithstanding these clear benefits to financial stability, heightened competition could also put pressure on financial institutions\u2019 profitability. This could lead to additional risk-taking among incumbents to maintain margins. Moreover, there could be new implications for financial stability from BigTech in finance and greater third-party dependencies.<\/p>\n<p>While markets have developed differently across jurisdictions, some commonalities warrant international discussion. While these commonalities may be global in scope, their impact on each jurisdiction depends on the state of development of the financial services industry and the regulatory environment.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The approach for pricing loans of commercial banks adopts the way of adjusting certain premium\/discount points based on the benchmark interest rates, with premiums\/discounts often reflecting the credit ratings of the firms applying for the loans.<\/p>\n","protected":false},"featured_media":47291,"template":"","meta":{"pmpro_default_level":"","tdm_status":"","tdm_grid_status":""},"product_brand":[],"product_cat":[1842,2347],"product_tag":[3475],"class_list":["post-75847","product","type-product","status-publish","has-post-thumbnail","product_cat-sme-finance","product_cat-study-library","product_tag-2016-2020","pmpro-has-access","first","instock","shipping-taxable","product-type-external"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Report A new pricing approach for SME loans 2019<\/title>\n<meta name=\"description\" content=\"The approach for pricing loans of commercial banks basically adopts the way of adjustingcertain premium\/discount points based on the benchmark interest rates, with premiums\/discounts often reflects the credit ratings of the firms applying the loans.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/smebanking.agency\/platform\/report\/16642-a-new-pricing-approach-for-sme-loans-2\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Report A new pricing approach for SME loans 2019\" \/>\n<meta property=\"og:description\" content=\"The approach for pricing loans of commercial banks basically adopts the way of adjustingcertain premium\/discount points based on the benchmark interest rates, with premiums\/discounts often reflects the credit ratings of the firms applying the loans.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/smebanking.agency\/platform\/report\/16642-a-new-pricing-approach-for-sme-loans-2\/\" \/>\n<meta property=\"og:site_name\" content=\"SME Banking Platform\" \/>\n<meta property=\"og:image\" content=\"https:\/\/smebanking.agency\/platform\/wp-content\/uploads\/sites\/7\/2019\/05\/a-new-pricing-approach.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"500\" \/>\n\t<meta property=\"og:image:height\" content=\"675\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/report\\\/16642-a-new-pricing-approach-for-sme-loans-2\\\/\",\"url\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/report\\\/16642-a-new-pricing-approach-for-sme-loans-2\\\/\",\"name\":\"Report A new pricing approach for SME loans 2019\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/report\\\/16642-a-new-pricing-approach-for-sme-loans-2\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/report\\\/16642-a-new-pricing-approach-for-sme-loans-2\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/wp-content\\\/uploads\\\/sites\\\/7\\\/2019\\\/05\\\/a-new-pricing-approach.jpg\",\"datePublished\":\"2025-06-30T16:34:24+00:00\",\"description\":\"The approach for pricing loans of commercial banks basically adopts the way of adjustingcertain premium\\\/discount points based on the benchmark interest rates, with premiums\\\/discounts often reflects the credit ratings of the firms applying the loans.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/report\\\/16642-a-new-pricing-approach-for-sme-loans-2\\\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/smebanking.agency\\\/platform\\\/report\\\/16642-a-new-pricing-approach-for-sme-loans-2\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/report\\\/16642-a-new-pricing-approach-for-sme-loans-2\\\/#primaryimage\",\"url\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/wp-content\\\/uploads\\\/sites\\\/7\\\/2019\\\/05\\\/a-new-pricing-approach.jpg\",\"contentUrl\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/wp-content\\\/uploads\\\/sites\\\/7\\\/2019\\\/05\\\/a-new-pricing-approach.jpg\",\"width\":500,\"height\":675,\"caption\":\"A new pricing approach for SME loans issued by commercial banks based on credit score mapping and archimedean copula simulation\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/report\\\/16642-a-new-pricing-approach-for-sme-loans-2\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"\u0413\u043b\u0430\u0432\u043d\u0430\u044f \u0441\u0442\u0440\u0430\u043d\u0438\u0446\u0430\",\"item\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/cental-asia\\\/home-central-asia\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\u041a\u0430\u0442\u0430\u043b\u043e\u0433\",\"item\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/cental-asia\\\/reports\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"A new pricing approach for SME loans issued by commercial banks based on credit score mapping and archimedean copula simulation\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/#website\",\"url\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/\",\"name\":\"SME Banking Platform\",\"description\":\"Knowledge Base Platform\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Report A new pricing approach for SME loans 2019","description":"The approach for pricing loans of commercial banks basically adopts the way of adjustingcertain premium\/discount points based on the benchmark interest rates, with premiums\/discounts often reflects the credit ratings of the firms applying the loans.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/smebanking.agency\/platform\/report\/16642-a-new-pricing-approach-for-sme-loans-2\/","og_locale":"en_GB","og_type":"article","og_title":"Report A new pricing approach for SME loans 2019","og_description":"The approach for pricing loans of commercial banks basically adopts the way of adjustingcertain premium\/discount points based on the benchmark interest rates, with premiums\/discounts often reflects the credit ratings of the firms applying the loans.","og_url":"https:\/\/smebanking.agency\/platform\/report\/16642-a-new-pricing-approach-for-sme-loans-2\/","og_site_name":"SME Banking Platform","og_image":[{"width":500,"height":675,"url":"https:\/\/smebanking.agency\/platform\/wp-content\/uploads\/sites\/7\/2019\/05\/a-new-pricing-approach.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Estimated reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/smebanking.agency\/platform\/report\/16642-a-new-pricing-approach-for-sme-loans-2\/","url":"https:\/\/smebanking.agency\/platform\/report\/16642-a-new-pricing-approach-for-sme-loans-2\/","name":"Report A new pricing approach for SME loans 2019","isPartOf":{"@id":"https:\/\/smebanking.agency\/platform\/#website"},"primaryImageOfPage":{"@id":"https:\/\/smebanking.agency\/platform\/report\/16642-a-new-pricing-approach-for-sme-loans-2\/#primaryimage"},"image":{"@id":"https:\/\/smebanking.agency\/platform\/report\/16642-a-new-pricing-approach-for-sme-loans-2\/#primaryimage"},"thumbnailUrl":"https:\/\/smebanking.agency\/platform\/wp-content\/uploads\/sites\/7\/2019\/05\/a-new-pricing-approach.jpg","datePublished":"2025-06-30T16:34:24+00:00","description":"The approach for pricing loans of commercial banks basically adopts the way of adjustingcertain premium\/discount points based on the benchmark interest rates, with premiums\/discounts often reflects the credit ratings of the firms applying the loans.","breadcrumb":{"@id":"https:\/\/smebanking.agency\/platform\/report\/16642-a-new-pricing-approach-for-sme-loans-2\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/smebanking.agency\/platform\/report\/16642-a-new-pricing-approach-for-sme-loans-2\/"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/smebanking.agency\/platform\/report\/16642-a-new-pricing-approach-for-sme-loans-2\/#primaryimage","url":"https:\/\/smebanking.agency\/platform\/wp-content\/uploads\/sites\/7\/2019\/05\/a-new-pricing-approach.jpg","contentUrl":"https:\/\/smebanking.agency\/platform\/wp-content\/uploads\/sites\/7\/2019\/05\/a-new-pricing-approach.jpg","width":500,"height":675,"caption":"A new pricing approach for SME loans issued by commercial banks based on credit score mapping and archimedean copula simulation"},{"@type":"BreadcrumbList","@id":"https:\/\/smebanking.agency\/platform\/report\/16642-a-new-pricing-approach-for-sme-loans-2\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"\u0413\u043b\u0430\u0432\u043d\u0430\u044f \u0441\u0442\u0440\u0430\u043d\u0438\u0446\u0430","item":"https:\/\/smebanking.agency\/platform\/cental-asia\/home-central-asia\/"},{"@type":"ListItem","position":2,"name":"\u041a\u0430\u0442\u0430\u043b\u043e\u0433","item":"https:\/\/smebanking.agency\/platform\/cental-asia\/reports\/"},{"@type":"ListItem","position":3,"name":"A new pricing approach for SME loans issued by commercial banks based on credit score mapping and archimedean copula simulation"}]},{"@type":"WebSite","@id":"https:\/\/smebanking.agency\/platform\/#website","url":"https:\/\/smebanking.agency\/platform\/","name":"SME Banking Platform","description":"Knowledge Base Platform","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/smebanking.agency\/platform\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"}]}},"_links":{"self":[{"href":"https:\/\/smebanking.agency\/platform\/wp-json\/wp\/v2\/product\/75847","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/smebanking.agency\/platform\/wp-json\/wp\/v2\/product"}],"about":[{"href":"https:\/\/smebanking.agency\/platform\/wp-json\/wp\/v2\/types\/product"}],"wp:attachment":[{"href":"https:\/\/smebanking.agency\/platform\/wp-json\/wp\/v2\/media?parent=75847"}],"wp:term":[{"taxonomy":"product_brand","embeddable":true,"href":"https:\/\/smebanking.agency\/platform\/wp-json\/wp\/v2\/product_brand?post=75847"},{"taxonomy":"product_cat","embeddable":true,"href":"https:\/\/smebanking.agency\/platform\/wp-json\/wp\/v2\/product_cat?post=75847"},{"taxonomy":"product_tag","embeddable":true,"href":"https:\/\/smebanking.agency\/platform\/wp-json\/wp\/v2\/product_tag?post=75847"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}