农村信用社利率定价模型实证分析  

Analysis of the rate pricing model of the rural credit cooperatives

作　　者：赵莹[1] 

机构地区：[1]中国人民银行淄博市中心支行,山东淄博255000

出　　处：《经济研究导刊》2011年第8期120-122,共3页Economic Research Guide

摘　　要：利率市场化改革的核心是建立科学合理的利率定价制度。目前,多数中小金融机构特别是农村信用社,贷款定价模式比较简单粗糙,在实际执行过程中广泛存在"一刀切"的现象。科学合理的利率定价模型不仅要涵盖银行资金成本、风险、目标利润等,还需要考虑贷款人的对利率的承受能力并有较强的可操作性。The core of the market-oriented reform of interest is a scientific reasonable pricing system interest rates.At present,most and financial institutions in particular,the loans by rural credit pricing models relatively simple,practical implementation of a widespread phenomenon.＂one size fits all＂.Scientific reasonable pricing models not only covered by the interest rate bank capital costs and risks,the target profit,etc,we should consider the lender interest rate of the bearing ability of a strong maneuverability.

关 键 词：农信社 利率低价机制 分析 

分 类 号：F830.46[经济管理—金融学]