理性的风险定价考虑了消费者信用评分、信用不良史、就业收入和地位等因素，高度依赖贷款类别。利用理性风险定价的公司包括电信企业、公用事业公司、抵押贷款机构和信用卡发行商(Jeong et al .，2009)。其他公司将在与相关利益相关者达成交易之前考虑消费者的信用评分。合理的风险定价可以帮助投资者向消费者收取更高的利率，而这将减少贷款按时足额还款的机会。对消费者来说，及时还款和全额还款可以降低利率。金融机构应对现有客户合理风险定价的利用。合理的风险定价不能被认为是影响利率的唯一因素。利率也在不受控制的因素的基础上，例如总体经济状况和基本利率(Montone,2012)。即使是最高信用额度的借款人，如果最终利率超过了经济衰退，他们也会在支付更高利率的范围内。通过有效地构建投资组合来分散投资，可以减少风险，同时分散在多个因素中。过度自信不仅会影响价格和金融市场，还会影响个人在投资中损失金钱和错误。
Rational risk pricing considers factors like the credit score of consumer, adverse history of credit, employment income and status, being highly dependent upon the category of loan. The companies utilizing rational risk pricing include telecommunications businesses, utility companies, mortgage lenders and credit card issuers (Jeong et al., 2009). Other companies will be considering the credit score of consumer prior to agreement of doing business with the respective stakeholders. Rational risk pricing helps the investors for charging higher rates of interest to the consumer involving less chances for repayment of loans on time and in full. There can be lower rates of interest to consumers for repayment of loans on timely basis and in full. Financial institutions deal with the utilization of rational risk pricing with the current customers. Rational risk pricing cannot be considered as the only factor affecting the rate of interest. The rate of interest is also on the basis of factors not under control, such as the overall economic scenario and the prime rate (Montone, 2012). Even the borrowers of maximum credit- worth are within the scope of paying higher rates of interest if the prime rate ends up going beyond the economic recession. Diversification by effective construction of portfolio allows the mitigation of risk while spread across a number of factors. Overconfidence not only ends up affecting prices and financial markets, but individuals as well loss of money and mistakes in investment.