摘要

随着利率市场化改革的快速推进,贷款定价问题越来越受各金融机构的关

注。农村信用社作为我国农村金融市场的主力军,在支持农村地区经济发展中占

有十分重要的地位,贷款作为农村信用社的主要业务,其价格水平备受关注,但

受历史原因影响,目前农村信用社在制定贷款价格时主观性偏强,贷款定价体系

不尽完善,这一因素严重影响着农村信用社支持农村经济发展的能力,不利于农

村信用社的长远发展。因此,如何构建科学的贷款定价模型来制定合理的贷款利

率,对于增强农村信用社金融服务经济的功能、优化资源配置、降低农村信用社

贷款风险、减少其不良贷款的形成及增加农村信用社收益,增强市场竞争力、走

上可持续经营发展之路具有非常重要现实意义。

本文共分为五个部分。第一部分主要介绍论文的研究背景与意义、贷款定价

的相关理论研究和论文的研究内容与方法。第二部分介绍周口农村信用社的发展

概况,以周口市市区农村信用社联社为例详细介绍贷款定价的基本内容,总结现

行农村信用社贷款定价的总体特征。第三部分以调查问卷的形式对农村信用社贷

款定价机制建设情况、贷款率执行情况、农村主要行业毛利润率与贷款利率对比

情况及利率新政策对农村信用社发展影响情况四个方面展开调查,详细分析周口

农村信用社的贷款定价现状。第四部分在对周口农村信用社贷款定价现状进行实

证分析的基础上,总结周口农村信用社在执行贷款定价中存在的诸多问题,如方

法过于简单化、定价水平整体偏高、定价机制不健全等问题。然后对影响农村信

用社贷款定价的因素进行详细分析。第五部分从完善农村信用社贷款定价的外部

环境与提高农信社贷款定价管理的内部措施两个方面提出完善农村信用社贷款

定价的对策与建议。

关键词:农村信贷农村信用社贷款定价

Abstract

Abstract

In the process of promoting the reform for the interest rate marketization, the

research on loan pricing is getting more and more attention from the financial

institutions. As the main force of China's rural financial markets, rural credit

cooperatives are important in supporting the rural economic development, and there

has been much attention on the loan pricing level of rural credit cooperatives.

Owing to historical reasons, the current loan pricing mechanism of rural credit

cooperatives is so imperfect and more subjective that it seriously affects the ability of

the rural credit cooperatives which will face the problems of long-term development

to support rural economic development. Therefore, how to build a scientific loan

pricing model to develop a reasonable interest rate has implications on increasing

competence of rural credit cooperatives in the financial services, optimizing resource

allocation, reducing the loan risks of the rural credit cooperatives, enhancing market

competitiveness and getting on to a sustainable long-term growth path.

This article is divided into five parts. The first part introduces the background and

significance of the research and the contents and methods of the loan pricing

research of related theories. The second part studies the development situation of

Zhoukou rural credit cooperatives, according to which the basic content and the

general characteristics of loan pricing of current rural credit cooperatives are

introduced. In the third part, the questionnaire is used to research the loan pricing

mechanism, the implementation of the loan rate which is contrasted with the

rural industry gross profit margins, and the development of rural credit cooperatives

affected by latest policy on interest rates. The fourth part summarizes the problems in

the implementation on loan pricing of the rural credit cooperatives, such as

oversimplification of the approach, high in overall level of loan pricing and imperfect

in the pricing mechanism. On the basis of analyzing the loan pricing situation and

management of rural credit cooperatives, the last part puts forward some

countermeasures and proposals on how to improve the loan pricing level of rural

credit cooperatives.

Keywords : Rural Credit Rwal credit cooperatives Loan Pricing

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