The empirical results show that the banks with larger scale tend to have lower prime rates and that bank capital costs and operating expenses have positive effects on the prime rate pricing 实证结果发现，银行资金成本及营业费用对基本放款利率有正向影响，而规模愈大的银行则会有较低的基本放款利率。
Yet a change in the prime rate is normally brought about by a change in the fed funds target rate in the us and the corresponding and immediate change in our base rate for accessing hong kong dollar liquidity through the discount window 然而，促使最优惠利率变动的原因，通常是美国联邦基金目标利率变动，以及本港贴现窗提供港元流动资金的基本利率即时作出相应调整。
The precise terms of these loans vary between ais , with some subject to an interest rate cap with reference to their own prime rates , while others may switch to another reference rate at some point during the life of the loan 不同的认可机构对这类贷款的确切条款会有所不同，其中部分贷款订有参考认可机构本身的最优惠利率设定的利率上限，部分则会在贷款期内的某个时间转用另一个参考利率。
If , however , the flexibility for banks to raise their prime rates is limited by market competition , and if the compression of the prime - hibor spread were associated with an economic downturn or an adjustment in residential property prices , then the situation might be different 但如果银行调高最优惠贷款利率的灵活性受制于市场竞争，息差收窄时又遇上经济逆转或住宅物业价格出现调整，情况便会很不同。
Learning from three loan - pricing models abroad and present related study , a prime rate marup revised pricing model combining market and customer orientation is developed , and the suggestions to the pricing of each part of the prime rate marup revised pricing model are given accordingly . secondly , previous domestic studies always use financial ratios in the quantitative research of credit analysis 本文首先介绍了商业银行贷款定价及研究现状,在分析国外银行三种贷款定价模式各自优劣以及国内外贷款定价研究现状的基础上,提出了综合考虑贷款平均成本、风险、盈利和银客关系的贷款定价模式,即基准利率加点修正模式。
