农村法人金融机构利率定价机制现状调查——以江苏省镇江市8家法人金融机构为例

The Investigations on the Current Status of the Pricing Mechanism Mode in Rural Corporate Financial Institutions——Take the Case of Zhenjiang

利率市场化进程加速对地方法人金融机构利率定价能力提出了更高的要求。通过对镇江辖内8家农村法人金融机构调查发现,农村法人金融机构初步建立了利率定价管理机制,定价能力逐步提升,但在定价方式、客户信用评级体系应用、定价效果评估、经济资本管理制度、内部资金定价机制等方面仍较为薄弱,适应利率市场化改革的能力还有待进一步增强。

The speeding up of marketization of interest rate will require a higher level upon interest rate pricing power of Local corporate financial institutions. Based on the empirical study of 8 Local corporate financial institutions in Zhenjiang, the author thinks corporate financial institutions in the countryside have been established the interest rate pricing management mechanism. But, the Corporate financial institutions in the countryside cast little light on pricing arrangements, the application of credit grading system, economic capital management, fund transfer pricing. The ability to adapt to the market-oriented interest rate reform has yet to be further strengthened.