利率市场化改革中农村商业银行贷款利率定价模式探索

Probe into the Pricing Mode of Rural Commercial Bank Loan Interest Rate in the Reform of Interest Rate Marketization

农村商业银行是我国金融市场的重要组成部分,在推进农村经济发展的方面发挥了至关重要的作用。但是,随着我国利率市场化不断深化,农村商业银行在贷款利率定价方面的劣势不断显现。本文对国内农村商业银行的利润与贷款基准利率之间的关系进行回归分析,并对BC农商行贷款利率定价进行研究,围绕农村商业银行如何建立适应市场需求的贷款利率定价模式提出参考性建议。

Rural commercial banks are an important part of my country's fi nancial market,and played a vital role in promoting rural economic development.However,as my country’s interest rate marketization continues to deepen,the disadvantages of rural commercial banks in pricing loan interest rates continue to appear.This paper conducts a regression analysis on the relationship between the profi t of domestic rural commercial banks and the benchmark loan interest rate,and conduct research on loan interest rate pricing of BC Rural Commercial Bank.Provide reference suggestions on how to establish a loan interest rate pricing model for rural commercial banks to meet market demand.