利率市场化背景下平罗农村商业银行贷款利率影响因素研究-工商管理专业毕业论文.docxVIP

摘要在利率市场化条件之下，积极迎接市场化进程中的挑战，把握市场化带来的发展机遇，提高 摘要 在利率市场化条件之下，积极迎接市场化进程中的挑战，把握市场化带来的发展机遇，提高 贷款利率定价能力，实现依据市场需求和经营成本决定贷款利率定价，对打造平罗农村商业银行 核心竞争力具有重大意义。本文运用主成分分析方法对影响平罗农村商业银行贷款利率定价的影 响因素进行研究，研究结果表明，平罗农村商业银行贷款利率定价主要受到基准利率、资金成本 率等因素的影响。因此本文主要分为五个部分对平罗农村商业银行贷款利率定价影响因素进行研 究。第一章为绪论部分。主要介绍了研究的目的、意义、国内外研究现状及研究内容和方法。第 二章为贷款利率定价理论。主要介绍了利率定价基本概念及利率定价基本模式。第三章是平罗农 村商业银行贷款定价模式现状分析，主要包括平罗农村商业银行贷款现状分析、贷款利率定价水 平现状、贷款定价模式现状及存在的问题。第四章是平罗农村商业银行贷款利率影响因素的实证 分析。首先介绍了实证分析基础理论；其次数据选取及处理；第三是分析了现有的贷款定价模式； 最后指出现有模式存在的问题。第四章是实证分析，包括实证理论基础的介绍、数据变量的选取 处理、主成分分析及回归分析。第五章为相关对策建议。主要为根据实证分析结果，从贷款模式 选择、管理制度建设等方面提出利率市场化条件下的对策建议。 关键词：农村商业银行，贷款，利率，影响因素 万方数据 AbstractUnder Abstract Under the condition of interest rate marketization。and actively meet the challenges in the process of marketization．grasp the developmem opportunity brought by the market，improve tlle ability of 10an interest rate pricing．10an interest rate pricing determined according to the demand of the market and operating costs，to build Pingluo rural commercial bank core competitive force iS of great significance． In this paper,using principal component analysis method ofPingluo rural commercial bank loan interest rate pricing influence factors were studied。The results of the study show that under the condition of interest rate control Pingluo rural commercial bank loan interest rate pricing mainly by the benchmark interest rate，capital cost rate etc．factor influence．This P印er is mainly divided into five parts to study the influencing factors of Pingluo rural commercial bank loan interest rate pricing．The first chapter iS the introduction part．This P叩er mainly introduced the research purpose，significance，research status and research contents and methods．ne second chapter iS the 10an interest rate pricing theory．Mainly introduces the basic concepts of interest rate pricing and interest rate pricing model．The third chapter iS the analysis of the status quo of Pingluo rural commercial bank lOan pricing model，which includes Pingluo rural commercial bank