根据客户盈利性分析原理,设计出富有竞争力的金融产品和服务,有助于真正确立“以客户为中心”进行差别定价的经营理念利率市场化加快推进的大背景下,农合机构如何变革经营管理模式,实施精细化管理,制定具有差异化、特色化的科学利率定价体系,是一个亟待研究的现实课题。理念转变:客户关系定价是市场竞争的需要从当前农合机构利率定价的现状来看,以客户信用评级和账面数据为定价基础的定价管理占据了主流,在定价时缺少精准的成本分析 According to the principles of customer profitability analysis, designing competitive financial products and services and helping to truly establish a “customer-centric” business philosophy of differentiated pricing Accelerate the marketization of interest rate liberalization, How to change the mode of operation and management, to carry out meticulous management and to establish a differentiated and distinctive scientific interest rate pricing system is a realistic subject to be studied urgently. The concept of change: customer relationship pricing is the need for market competition From the current status of agricultural institutions interest rate pricing perspective, customer credit rating and book data as the pricing basis for pricing management to dominate the pricing of the lack of accurate cost analysis