利率市场化条件下农村信用社贷款定价方法研究——湖南的现状考察与模式选择  

Market-oriented Loan Pricing for Rural Credit Cooperatives——Status Investigation and Method Choices in Hunan Province

作　　者：徐爱华[1] 

机构地区：[1]中国人民银行长沙中心支行,湖南长沙410000

出　　处：《财经理论与实践》2006年第5期26-30,共5页The Theory and Practice of Finance and Economics

摘　　要：提高贷款定价能力、增强贷款定价的自主性和科学性是利率市场化条件下农村信用社的必然选择。作为金融支持社会主义新农村建设主力军的湖南省农村信用社,应从自身实际情况出发,选择与之相适应的贷款定价模式———市场与成本相机抉择的成本相加定价模式,并进一步完善具有市场化特征的贷款定价机制。Market- oriented interest rate requires the rural credit cooperatives to improve their pricing ability for loans, to enhance independent and scientific pricing. The best pricing method for Hunan rural credit cooperatives, which is conducting very important finance supports in the rural reconstruction program, seems to be the integration of markup pricing and going- rate pricing. The success of their pricing will also depend on the country＇s institutional development of loan pricing.

关 键 词：农村信用社 贷款定价方法 利率市场化 

分 类 号：F830.34[经济管理—金融学]