聊城农村信用社贷款定价模式研究

发布时间：2018-04-28 00:27

本文选题：农村信用社 + 贷款定价　；参考：《陕西师范大学》2013年硕士论文

【摘要】：随着我国金融体制改革的逐步深入,利率市场化改革也进入全面加速时期,利率管制日益松动,金融机构的自主定价权逐步提高,利率市场化对农村信用社的经营发展必将带来巨大影响。同时,越来越多的国内外金融机构进驻农村金融市场,农村信用社将面临越来越激烈的市场竞争。近年来,农村信用社积极探索适应自身实际的贷款利率定价模式,但受制于内部经营体制、外部市场环境的约束,农村信用社贷款定价模式粗放,建立科学的贷款定价模式已成为农村信用社发展亟待解决的重要课题。本论文的主要研究目的是在系统分析比较国外与国内贷款定价模式的基础上,结合山东省聊城农村信用社实例,分析当前聊城农村信用社贷款定价存在的主要问题,探究其根源,为改进聊城农村信用社贷款定价模式进行理论探索。论文结合聊城农村信用社贷款定价实际情况,根据市场客户细分理论设计出聊城农村信用社贷款定价的模式选择。研究所得出的主要结论如下： (1)利率市场化冲击聊城农村信用社贷款定价模式。面对利率市场化趋势和农村金融市场日趋激烈的竞争格局,聊城农村信用社必须转变当前粗放的贷款定价模式,建立科学、高效的贷款定价模式,以更好地控制风险、提高收益,巩固和扩大市场占有率。 (2)聊城农村信用社应从自身实际出发设计贷款定价模式。作为聊城农村金融市场的主力军,聊城农村信用社承担着支农惠农任务,员工总体素质不高、法人治理不完善、客户群体风险承受力弱、全市8家法人机构不同的经营发展趋势等,决定了在贷款定价模式选择中,不能照搬商业银行及其他农村信用社的模式,应结合自身实际设计 (3)基于客户细分的贷款定价模式更适合聊城农村信用社业务实际。聊城农村信用社客户群体多样,市场竞争激烈,基于客户细分的贷款定价模式,有利于聊城农村信用社集中资源,有针对地进行营销,以最小资源成本获得最大市场占有率；同时,客户细分贷款定价模式良好的针对性也有利于提高信贷资产的安全性、流动性与收益性。论文的特色及创新之处在于 (1)聊城农村信用社贷款定价模式的理论探索。当前,国内对贷款定价问题的理论贡献较少,且主要集中于对国内银行业金融机构贷款定价存在问题的分析及对策的提出上,对如何构建符合农村金融机构实际,特别是结合地方特色的定价模式论述较少。本论文结合聊城农村信用社实例对定价模式进行设计,具有(?)定的开拓性。 (2)提出了基于客户细分的聊城农村信用社贷款定价模式。本论文在比较国外与国内的贷款定价模式的基础上,基于聊城农村信用社实际,提出了基于客户细分的贷款定价模式选择,对当前聊城农村信用社完善贷款定价机制,提高经营管理水平,扩大市场占有率等有积极影响,对其他农村信用社贷款定价模式的选择也有参考价值。
[Abstract]:With the gradual deepening of the reform of the financial system in China, the reform of interest rate marketization has also entered a period of comprehensive acceleration, the control of interest rate has become increasingly loose, the independent pricing power of financial institutions has been gradually improved, and the marketization of interest rates will bring great influence on the operation and development of rural credit cooperatives. At the same time, more and more domestic and foreign financial institutions are in rural finance. In the market, the rural credit cooperatives will face more and more fierce market competition. In recent years, the rural credit cooperatives actively explore the loan interest rate pricing model adapting to their own reality, but are restricted by the internal management system, the external market environment, the rural credit cooperatives' loan pricing model is extensive, and the establishment of a scientific loan pricing model has become the rural credit. The development of society is an important issue to be solved.
The main purpose of this paper is to analyze and compare the foreign and domestic loan pricing models systematically, and combine with the rural credit cooperatives in Liaocheng, Shandong Province, to analyze the main problems existing in the current loan pricing of Liaocheng rural credit cooperatives, explore its root, and explore the theoretical exploration for improving the loan pricing model of the rural credit cooperatives in Liaocheng. According to the actual situation of the loan pricing in Liaocheng rural credit cooperatives, the model selection of the loan pricing of Liaocheng rural credit cooperatives is designed according to the market customer segmentation theory. The main conclusions are as follows:
(1) the interest rate marketization impact the Liaocheng rural credit cooperative loan pricing model. Facing the trend of interest rate marketization and the increasingly fierce competition pattern in the rural financial market, the rural credit cooperatives in Liaocheng must change the current rough loan pricing model, establish scientific and efficient loan pricing model, in order to better control the risk, improve the income, consolidate and expand. Large market share.
(2) the Liaocheng rural credit cooperatives should design the loan pricing model from its own reality. As the main force of the rural financial market in Liaocheng, the rural credit cooperatives in Liaocheng bear the task of supporting agriculture and benefiting agriculture, the overall quality of the staff is not high, the legal person governance is not perfect, the risk of the customer is weak, and the 8 different business development trends of the city are different. Fixed in the choice of loan pricing mode, we should not copy the mode of commercial banks and other rural credit cooperatives, and should combine their own actual design.
(3) the loan pricing model based on customer segmentation is more suitable for the practice of Liaocheng rural credit cooperatives. There are various customer groups in Liaocheng rural credit cooperatives, the market competition is fierce, and the loan pricing model based on customer segmentation is beneficial to the centralized resources of Liaocheng rural credit cooperatives, the marketing of the credit cooperatives and the maximum market possession at the minimum resource cost. At the same time, the good targeting of the customer segmentation loan pricing model is also conducive to improving the security, liquidity and profitability of credit assets.
The characteristics and innovation of the thesis lie in
(1) the theoretical exploration of the loan pricing model of Liaocheng rural credit cooperatives. At present, the theoretical contribution of domestic to the problem of loan pricing is less, and it mainly focuses on the analysis and Countermeasures of the existing problems of loan pricing in domestic banking financial institutions, and how to set up the pricing of the rural financial institutions, especially the local characteristics. There are few models. This paper combines the example of the rural credit cooperatives in Liaocheng to design the pricing model.
(2) the loan pricing model of Liaocheng Rural Credit Cooperatives Based on customer segmentation is put forward. Based on the comparison of foreign and domestic loan pricing models, based on the reality of rural credit cooperatives in Liaocheng, this paper puts forward the choice of loan pricing model based on customer segmentation, and improves the loan pricing mechanism for the current rural credit cooperatives in Liaocheng and improves the management management. The level of management and the expansion of market share have a positive impact on other rural credit cooperatives.

【学位授予单位】：陕西师范大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35

【参考文献】