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在改革开放后,我国农村经济迅猛发展,其中我国广大农村的主要农村金融机构就是被我们所熟知的农村信用社。农村信用社的作用有许多,例如帮助农业和农村的经济不断发展,促进农民的致富增收。农村信用社的主要业务和主要的收入来源就是信用社对外的信贷业务,这个业务支撑着农村信用社的生存和发展,所以为了稳定信用社的发展,就必须制定合理科学的贷款定价的政策,拥有合理确定的贷款价格可以有效的减少或避免农村信用社的信用贷款风险,增加信用社的贷款业务的数量,增加自身在市场上的所占比例,提高自己的竞争能力,促进自身的发展。随着我国市场经济的深度发展,农村的金融机构也要不断的进行改革,研究制定合理科学的农村信用社贷款定价的政策,是金融市场发展的潮流,也是信用社所要发展的必要条件。
After the reform and opening up, China’s rural economy developed rapidly, and the major rural financial institutions in vast rural areas of China were rural credit cooperatives which we are all familiar with. Rural credit cooperatives have many roles, for example, to help the continuous development of agriculture and rural economy, and to promote the farmers’ richness and income. Therefore, in order to stabilize the development of credit cooperatives, it is necessary to formulate a reasonable and scientific loan pricing policy, which is to promote the development of rural credit cooperatives. Having a reasonable loan price can effectively reduce or avoid the credit risk of rural credit cooperatives, increase the number of loan business of credit cooperatives, increase their market share, improve their competitiveness and promote their own development. With the deepening of the market economy in our country, the financial institutions in the rural areas also need to carry on the reform constantly. It is the tide of the financial market development and the necessary conditions for the development of credit cooperatives to study and formulate reasonable and scientific rural credit cooperative loan pricing policy.