A农村信用社贷款利率定价机制研究

发布时间：2018-05-21 12:13

本文选题：农合机构 + 贷款定价　；参考：《陕西师范大学》2015年硕士论文

【摘要】：贷款利率定价是银行业金融机构经营管理中的核心问题,而作为农村金融服务主力军的农村合作金融机构,贷款定价水平很大程度上决定了其在支持“三农”发展中发挥的作用。当前我国农合机构贷款定价机制单一粗放,贷款利率水平普遍较高,因此对其贷款利率定价机制进行研究,分析贷款利率的影响和决定因素,从而改进和优化定价机制是非常迫切的课题。本文主要归纳了商业银行贷款定价的理论和方法,通过文献分析等对农合机构贷款定价情况进行了阐述,研究了农合机构贷款定价方面的问题,在此基础上以A农信社为例,采取定性和定量相结合的方法,从资金供给、资金需求和外部环境三方面,从宏观和微观两个角度,并通过构建模型对回归结果进行分析,确定了决定和影响农合机构贷款利率定价的因素,并据此从转变农合机构经营策略、完善农合机构定价机制方面针对性的提出改进建议。本文研究得出的主要结论如下：一是农合机构贷款利率定价机制较为落后,存在贷款利率普遍较高、定价体系不完善、定价方式粗放单一等问题,农合机构必须提高对利率管理工作的重视程度,强化定价体系建设,提升内部管理水平,通过市场细分进行精细化、差别化定价。二是影响贷款定价的因素包括资金供给因素中的资金成本、贷款业务费用、目标利润,资金需求因素中的资金需求者类别、需求者规模和需求期限,以及外部因素中的信贷市场的竞争程度、农村信用生态环境、基准利率水平等,在进行贷款定价时必须全面的考虑。三是资金成本率、业务费用率是决定农合机构贷款定价的关键因素,农合机构当前必须全面转变经营观念,对资源进行有效集中和配置利用,通过科学筹划资金来降低资金成本,精细核算经营费用以逐步实现集约化经营,积极进行中间业务产品创新等拓宽资金渠道来源,争取实现资金收益的最大化。
[Abstract]:The pricing of loan interest rate is the core problem in the operation and management of banking financial institutions, and as the main force of rural financial services, rural cooperative financial institutions, Loan pricing level largely determines its role in supporting the development of agriculture, rural areas and farmers. At present, the loan pricing mechanism of agricultural cooperative institutions in China is simple and extensive, and the level of loan interest rate is generally high. Therefore, the pricing mechanism of loan interest rate is studied, and the influence and determinant factors of loan interest rate are analyzed. To improve and optimize the pricing mechanism is a very urgent issue. This paper mainly summarizes the theory and method of loan pricing in commercial banks, expounds the pricing situation of agricultural cooperative institutions through literature analysis, studies the problems in the pricing of loans of agricultural cooperative institutions, and takes A rural credit cooperative as an example. Using qualitative and quantitative methods, from the three aspects of capital supply, capital demand and external environment, from the macro and micro perspectives, and through the construction of a model to analyze the regression results. The factors of determining and influencing the pricing of interest rate of agricultural cooperative institutions are determined, and suggestions are put forward to improve the pricing mechanism of agricultural cooperative institutions from the aspects of changing the management strategy of agricultural cooperative institutions and perfecting the pricing mechanism of agricultural cooperative institutions. The main conclusions of this paper are as follows: first, the pricing mechanism of agricultural cooperative institutions' loan interest rate is relatively backward, the loan interest rate is generally high, the pricing system is not perfect, the pricing method is extensive and single, and so on. Agricultural cooperative institutions must pay more attention to interest rate management, strengthen the construction of pricing system, improve the level of internal management, refine and differentiate pricing through market segmentation. Second, the factors that affect the pricing of loans include the cost of capital, the cost of loan business, the target profit, the type of the capital demanders, the size of the demanders and the duration of the demand. The external factors such as the competitive degree of credit market, the ecological environment of rural credit, the level of benchmark interest rate and so on, must be taken into account in the pricing of loans. Third, the rate of capital cost, the rate of operating expenses is the key factor to determine the pricing of loans of agricultural cooperative institutions. At present, agricultural cooperation organizations must change their business concepts comprehensively, and effectively concentrate and allocate resources. Through the scientific planning of funds to reduce the cost of funds, the fine accounting of operating expenses to gradually realize intensive management, actively engaged in intermediate business product innovation to broaden the source of funds, and strive to achieve the maximization of capital income.
【学位授予单位】：陕西师范大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.4

【参考文献】