This paper provides an empirical study based on RAROC about the boundary behaviors of loan risk pricing in China's Market of credit rationing.

本文运用某银行提供的有关数据，基于RAROC实证研究我国信贷配给的贷款市场中贷款风险定价的边界行为表现。

However, non-restriction pricing with RAROC would result in adverse selection and moral risk, so there is a risk boundary in actual loan pricing.

但由于自由定价会产生逆向选择和道德风险，现实中的贷款定价存在一个风险的边界。