利率市场化下农村信用社贷款定价模型构建研究  

Rural Credit Cooperatives Loan Pricing Model Construction Study Under Interest Rate Liberalization

作　　者：段胜 杨雨婧 

机构地区：[1]四川省农村信用社,成都610041 [2]成都农商银行,成都610041

出　　处：《农业经济与管理》2015年第2期22-32,共11页Agricultural Economics and Management

摘　　要：利率市场化是完善我国农村合作金融机构自主经营机制的必要条件。选择适合的贷款利率定价模型,对于农村合作金融机构实现经营目标具有重要意义。从研究分析当前农村信用社贷款定价存在的主要问题入手,以基准利率加点模型和成本加成模型为基础,引入成本、利润、风险指标,提出新的农信社贷款定价模型,并基于实际数据进行科学测算。The interest rate liberalization is a necessary condition for improving the independent management mechanism of China＇s rural cooperative financial institutions, so that selecting the appropriate interest rate pricing model for rural cooperative financial institutions to achieve business objectives has the very important significance. By analyzing the current major problems of rural credit cooperatives loan pricing, based on benchmark rate plus point given model and cost-plus pricing model, comprehensive cost, profit, risk, we proposed new RCCs loan pricing model based on the actual data and carried on a scientific calculation.

关 键 词：利率市场化 贷款定价 模型测算 

分 类 号：F830.5[经济管理—金融学]