农村法人金融机构利率定价机制现状调查——以镇江市8家法人金融机构为例  

The Investigation on the Current Status of the Interest Rate Pricing Mechanism of Rural Corporate Financial Institutions——A Case of 8 Corporate Financial Institutions in Zhenjiang Cit

作　　者：钱仁汉[1] 侯瑞[1] 

机构地区：[1]中国人民银行镇江市中心支行,江苏镇江212000

出　　处：《西部金融》2014年第7期84-87,共4页West China Finance

摘　　要：利率市场化进程加速对地方法人金融机构利率定价能力提出了更高的要求。本文通过对镇江辖内8家农村法人金融机构调查发现,农村法人金融机构初步建立了利率定价管理机制,定价能力逐步提升,但在定价方式、客户信用评级体系应用、定价效果评估、经济资本管理制度、内部资金定价机制等方面仍较为薄弱,适应利率市场化改革的能力还有待进一步增强。The speeding up of the process of interest rate marketization places a higher requirement for interest rate pricing power of local corporate financial institutions. Through the investigation on 8 rural corporate financial institutions in Zhenjiang, the paper finds that rural corporate financial institutions have established the interest rate pricing management mechanism, and the pricing capac-ity is gradually increased. But such aspects as pricing pattern, application of the customer credit rating system, pricing effect assess-ment, economic capital management system and internal capital pricing mechanism and so on are still relatively weak, so the ability to adapt to the interest rate marketization reform has yet to be further strengthened.

关 键 词：利率市场化 农村法人金融机构 利率定价机制 

分 类 号：F830.31[经济管理—金融学]