农村信用社贷款利率定价面临的挑战与对策

Challenge and Strategy Confronted by Lending Rating of Rural Credit Cooperatives

本文以广西北海市农村信用社为例,将其贷款利率水平与全国金融机构的贷款利率水平进行比较。结论表明,农村信用社与其他金融机构的贷款利率之间是一种负相关关系,两者存在比较稳定的竞争状态。但由于农村信用社贷款利率定价受到内外部因素的制约,面对其他金融机构进入农村信贷市场的竞争,以高利率为支撑的农村信用社难以适应利率完全市场化的挑战。要实现利率市场化,农村信用社各方面建设急需完善。

We take the rural credit cooperatives of Beihai for example in this article,and compare the lending rate of rural credit cooperatives with the one of national financial institutions.The conclusion shows that the lending rate between the rural credit cooperatives and the national financial institutions is a negative correlation,they exist relatively stable competition.Because the pricing the lending rate of the rural credit cooperatives is restricted by the internal and external factors,the rural credit cooperatives which are supported by high lending rate is hard to face the market challenges if other financial institutions turn into the rural credit market.To realize the interest rate liberalization,the rural credit cooperatives should do more.