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Recently more and more commercial banks are willing to provide loans to SMEs under the guidance of the government, however, how to provide reasonable loan pricing for SMEs becomes an urgent and core problem faced by these banks. Loan pricing will be affected by many factors, and is also a more complex systemic issue for commercial banks. Based on the loan pricing model of RAROC model, this paper empirically analyzes the factors such as operating cost, economic capital and expected losses by using the panel data of thirteen listed SMEs of Zhejiang province. The results shows that the loan rates adjusted by the risk based on the RAROC model are higher than the actual loan rates, and the low loans pricing leads to be not enough conducive to the bank's compensation and risk aversion. The conclusion indicates that the risk-adjusted loans pricing can provide reasonable compensation on the risk and improve the efficiency of the loan in the end.

An Empirical Analysis of Loans Pricing of Commercial Banks for SMEs Bases on RAROC Model