保山市隆阳区农村信用社贷款定价模型研究.pdfVIP

摘要 随着我国金融体制改革的逐步深入，利率市场化改革也进入全面加速时 ，利率管制日益松动，金融机构的自主定价权逐步提高，利率市场化对农村信 用社的经营发展必将带来巨大影响。同时，越来越多的国内外金融机构进驻农 村金融市场，农村金融市场面临越来越激烈的市场竞争，逐步建立科学的贷款 利率定价机制，改变粗放的贷款利率定价模型是农村信用社急需解决的重要问 题。 本文的主要目的是为改进保山市隆阳区农村信用社贷款定价模型进行理论 探讨和实证分析。首先对保山市隆阳区农村农村信用社贷款定价现状进行分析 ，揭示了该农村信用社贷款定价和利率管理中存在的主要问题，再简述贷款定 价的一般原理及其对农村信用社贷款定价的借鉴意义。接着充分借鉴商业银行 比较成熟的贷款定价模型，构建适合保山市隆阳区农村农村信用社贷款定价模 型。同时使用保山市隆阳区农村信用社经营数据进行实证分析， 结合保山市隆阳区农村信用社经营管理水平和农村金融市场发育实际情况，充 分考虑信用社贷款定价中的特殊因素，构建一个符合农村信用社实际的贷款定 价模型，提高了定价模型的实用性并围绕为进一步完善贷款定价，提高定价模 型支持力提出建议。 [关键词]农村信用社； 贷款定价； 定价模型； Abstract With Chinas financial system reform gradually thorough ，the market-based reform of interest rates also entered the acceleration period ，interest rate control is becoming more and more loose ，the independent pricing power gradually increase of financial institutions ，interest rate marketization on the business development of rural credit cooperatives will bring great influence. At the same time ，more and more domestic and foreign financial institutions in rural financial market ，rural financial market is facing more and more fierce market competition ，gradually establish a scientific interest rate pricing mechanism ，change the extensive the loan interest rate pricing model of rural credit cooperatives is an urgent need to solve the problem. The main purpose of this paper is to improve the Baoshan city Long Yang district rural credit cooperatives loan pricing model in theory and empirical analysis are discussed. First of Baoshan city Long Yang district rural ，analyzing the present situation and problems of rural credit cooperatives loan pricing reveals the rural credit cooperatives loan pricing and the main problems existing in the interest rate management ，and briefly describes the general principle