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中文摘要：
利率市场化要求银行能按风险来确定贷款利率，运用基于期权定价理论的KMV模型来得到公司的预期违约率和违约损失，从而能合理地确定贷款利率，KMV模型特别适用于银行对上市公司的贷款定价。
英文摘要：
The Interest Marketlization requires that the bank can decide the price of each loan according to the risk of the credit. The KMV Model, which is based on Merton＇s option pricing theory, is applied to get the expected default frequency and default loss of the loan. In this way, the bank can reasonably decide the interest. KMV Model is especially applicable when the bank lends to a company whose stocks are listed publicly.
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