农村信用社贷款定价机制研究

Research about Rural Credit Cooperatives' Pricing Mechanism on Loans

2004年以来,央行连续9次调高贷款基准利率,农村信用社根据央行政策两次扩大金融机构贷款利率浮动区间,在贷款利率双重指标连续调高的政策背景下,农村信用社健全贷款定价机制,逐步建立科学、合理的差别定价机制,将对农村信用社的支农效果、竞争能力和经营效益产生深远的影响。本文从央行利率政策频繁调整的大背景下,研究如何完善农村信用社贷款定价机制。

The central bank has raised the benchmark lending rate for 9 times since 2004, according to the central bank’s policy, rural credit cooperatives widen floating band on loans twice, while the lending rate raised continuously, to improve lending pricing mechanism and establish scientific、 rational differential pricing mechanism has potential impact on efficacy of supporting agriculture、competitive capacity and running profit. This paper argues how to improve rural credit cooperatives’ pricing mechanism on loans when the central bank’s interest rate policy adjusted frequently.