贷款利率上限放开后农村信用社贷款定价行为分析

Analysis on the Loan Pricing of Rural Credit Cooperatives(RCC) after the Opening of Lending Rate Cap

本文从贷款利率放开背景下农村信用社贷款定价行为现状入手,分析了贷款利率上限放开后农村信用社贷款定价行为取向、影响及其贷款利率上限放开的制约因素,并提出了农村信用社贷款利率上限放开的政策建议和具体措施,以更好地促进农村信用社发挥农村金融主力军作用。

The market-based interest rate reform will be further advanced, lending rote cap of rural credit cooperatives will be fully liberalized. This paper states the loan pricing behavior of rural credit cooperatives after the opening of the lending rate cap, analyzes the restraint factors, this paper makes suggestions in promoting rural credit cooperatives play dominant role in rural finance.