利率市场化背景下农村信用社贷款定价方向分析研究——以河北省XX为例.pdfVIP

摘 要 随着利率市场化进程的不断推进，贷款及其他资产的定价问题开始被各金融机构 关注，并成位各金融机构之间竞争的重要手段。农村信用社是我国金融体系的重要组 成部分，是目前农村金融市场上最主要的金融机构，贷款业务是农村信用社的主要资 产业务，也是其主要的利润来源和风险来源。如何建立科学的贷款定价机制，改变粗 放的贷款定价模式是农村信用社急需解决的问题。 本文以XX 农村信用社为研究对象，主要从理论上对农村信用社贷款定价进行研 究。本文总结了国外商业银行贷款定价——机制和模型的经验，依据国外商业银行贷 款定价的思路和农村信用社的主要客户——农户和中小企业分析了XX 农村信用社的 贷款定价的现状以及现行贷款定价的执行效果和不足，最后改善了现行的贷款定价模 型，并提出了完善贷款定价机制的建议。 根据本文的研究，发现XX 农村信用社的贷款定价模型无法覆盖信用社的成本与 风险，较低的贷款利率将导致农户贷款超额需求和风险增加，对中小企业的政策支持 欠缺等不足，根据成本加成模型改善了现行贷款定价模型上以期能较准确地覆盖信用 社的成本与风险，并提出了健全贷款定价支持体系、加强数据管理和提高人员的素质 等完善其贷款定价机制的建议。 关键词：XX 农村信用社；利率市场化；贷款定价；农户；中小企业 Research on Loan Pricing of Rural Credit Cooperative in Marketization of Interest Rate －based on analysis of XX Hebei Province Abstract With the continuous advance of the interest rate market ，financial institutions started to pay attention to the pricing of loans and other assets. Loan prices have become an important means of competition among financial institutions. Rural credit cooperatives are an important part of Chinas financial system is the most important financial institutions in the rural financial market ， but the business and service sectors of the rural credit cooperatives relative to a single loan business is the business of the main assets of the rural credit cooperatives，is also its main source of profit and risk sources. Due to historical and practical reasons ，the rural credit cooperatives for the loan pricing has not been given high priority， similar loans to determine the price and other financial institutions ， without considering the area of services and loans of the particularity of the lack of the necessary theoretical research and technology，loan pricing support. With the continuous progress of the interest rate market ， how reasonable ， scientific， ac