利率市场化对西北地区农村金融机构的影响及其存在问题

发布时间：2019-05-18 07:05

【摘要】：为提升利率市场化改革绩效与农村金融机构发展提供参考,以西北地区为例,利用对195家农村金融机构的调查数据,构建面板数据的随机效应模型分析2012年和2013年的利率市场化改革对农村金融机构贷款利率和社会绩效的影响,并从贷款利率的定价机制与风险两方面探讨农村金融机构在利率市场化进程中存在的主要问题。结果表明,2012年的利率市场化促使农村金融机构贷款的最低和最高利率均出现较小幅度提升,但对其社会绩效没有显著影响。总资产和区域金融市场的竞争程度均与贷款的最低和最高利率负相关,员工数、县域金融机构数、税后利润率对贷款业务数具有正影响。专业人才匮乏、定价方法和机制缺陷,以及缺乏对利率变化趋势的预测是农村金融机构在利率定价机制方面的主要问题,经营风险、利率风险和系统风险是其面临的主要风险。
[Abstract]:In order to improve the performance of interest rate marketization reform and the development of rural financial institutions, taking Northwest China as an example, the survey data of 195 rural financial institutions are used. The random effect model of panel data is constructed to analyze the impact of interest rate marketization reform in 2012 and 2013 on loan interest rate and social performance of rural financial institutions. The main problems of rural financial institutions in the process of interest rate marketization are discussed from the aspects of pricing mechanism and risk of loan interest rate. The results show that the marketization of interest rate in 2012 promotes the minimum and maximum interest rates of rural financial institutions to increase slightly, but has no significant impact on their social performance. The competition degree of total assets and regional financial market is negatively correlated with the lowest and highest interest rates of loans. the number of employees, the number of county financial institutions and the after-tax profit rate have a positive impact on the number of loan businesses. The shortage of professionals, the defects of pricing methods and mechanisms, and the lack of prediction of interest rate change trend are the main problems in interest rate pricing mechanism of rural financial institutions. Operating risk, interest rate risk and system risk are the main risks faced by rural financial institutions.
【作者单位】：陕西行政学院;陕西秦农农村商业银行股份有限公司;
【基金】：国家社会科学基金资助项目“贫困村资金互助社运行绩效评价与政策优化研究”(14XJY827)
【分类号】：F832.5;F832.35

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