From the perspective of commercial bank, supposing that the total amount of credit and loan limit ratios are known, we set up an optimization model for allocating the resource of loan to achieve the maximum profit of commercial bank.

• 本文站在商业银行内部的角度,在贷款总额及各类贷款额度比例上限均已知的前提下,建立了以商业银行总体收益最大化为目标的信贷额度分配优化模型。