中文摘要：

从我国商业银行贷款定价视角出发,结合信贷配给理论,运用计算实验金融的方法,分别对＂一刀切＂式利率定价与综合的利率定价模型进行银企贷款仿真实验,比较发现不同的利率定价模型影响中小企业贷款情况机理.实验发现,贷款利率提高到一定程度后,银行的收益会随着利率的提高而降低,一定程度上反映了银行对中小企业实行信贷配给的现象.并实验验证了综合的贷款利率定价方法在不降低银行收益的前提下,缓解了中小企业的融资困境.据此提出了商业银行应选择合理的利率定价模型,根据贷款数额、信用级别、资产负债率、担保方式等指标,根据风险大小、成本高低和借款企业的具体情况,实行有差别的变动利率.

英文摘要：

From the perspective of Chinese commercial banks＇ loan pricing,combined with credit rationing theory,using the method of Agent-based Computational Finance（ACF）,to do the bank loan＇s simulation experiment both on＂one cutting＂type of interest rate pricing and a comprehensive pricing model.From the comparison,we found that the different interest rates pricing model impact SMEs loan.From the experiment,when the loan interest rate raise to a certain extent,the earning of bank will reduce accompany by the increasing of interest rate,to some extent,reflecting the credit rationing phenomenon of SMEs.From the experiment to prove that the comprehensive loan interest rate pricing method slow down their financing difficulties,and they also don＇t reduce bank＇s earning.So the commercial banks should choose a reasonable interest rate pricing model,according to the loan amount,credit grade,asset-liability ratio,the way of security,and other indicators,according to the risk of small,low cost and the specific circumstances of the borrower companies,to implement different interest rate.