农村信用社贷款利率定价机制研究  

The Research on the Pricing Mechanism of the Loan Interest Rate of Rural Credit Cooperatives

作　　者：李晶彦[1] 

机构地区：[1]中国人民银行贵阳中心支行,贵州贵阳550001

出　　处：《西部金融》2015年第9期53-56,共4页West China Finance

摘　　要：近年来我国一直在推进以利率市场化为核心的农村金融市场机制建设,2013年取消农村信用社贷款2.3倍的上限后,农村信用社可以根据自身经营成本和管理能力自主定价。科学有效的贷款利率定价对于农村信用社发挥支农主力军的作用意义重大,本文通过分析近两年贵州省农村信用社贷款利率定价机制建设情况,以及影响贷款利率定价的因素,对完善农村信用社贷款利率定价提出政策建议。In recent years, the construction of the rural financial market mechanism centered around the interest rate liberalization in China has been promoted. After canceling the ceiling of 2.3 times of rural credit cooperatives’loan interest rate in 2013, rural credit cooperatives can independently make a price according to their own operating costs and management ability. Scientific and effective pricing of the loan interest rate is of great significance for rural credit cooperatives to play their role in supporting the agriculture. By analyzing the construction of the pricing mechanism of the loan interest rate of rural credit cooperatives in Guizhou province in nearly two years as well as the factors that influence the loan interest rate pricing, the paper puts forward policy recommendations how to im-prove the loan interest rate pricing of rural credit cooperatives.

关 键 词：农村信用社 利率定价 贷款成本 

分 类 号：F830.31[经济管理—金融学]