Abstract: Cost-plus Loan Pricing, Price Leadership, and Customer Profitability Analysis are the three main methods of loan pricing in foreign banks. Been restricted on interest rate for long time, the domestic commercial banks are all weak in loan pricing, such as (1)The loan pricing not been involved in the decision mechanism of credit; (2) Lacking of risk price ration system; (3) Mismatching between the interest rate and the risk of the loan items. In the course of interest rate liberalization, Chinese commercial banks shall establish an optimal loan pricing mechanism, including the policy frame, price examination, risk evaluation system, MIS and the pricing patterns.