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随着利率市场化进程的推进，农村 信用社自主定价的范围也将不断扩大， 因此，建立科学的金融产品定价机制， 对于农村信用社提高经营效益、支持 “三农”经济发展具有重要的意义。 一、贷款定价的基本模式及其特点 随着市场环境的不断变化，国外金 融机构先后推出了许多有价值的贷款 定价方法，概括起来主要有三种： (一)成本相加模式(Cost-Plus Loan Pricin) 这是一种较为传统的定价模式，认 为价格是由成本加目标利润而形成，任 何贷款的利率都应包括以下四部分：(1) 贷款资金的筹集成本；(2) 与贷款有关的
With the progress of marketization of interest rates, the scope of RCCs self-pricing will also continue to expand. Therefore, setting up a scientific pricing mechanism for financial products is of great significance for RCCs to enhance their operating efficiency and support the economic development of “agriculture, rural areas and farmers” . First, the basic model of loan pricing and its characteristics With the changing market environment, foreign financial institutions have introduced many valuable loan pricing methods, summed up in three main ways: (A) cost-plus mode (Cost-Plus Loan Pricin This is a more traditional pricing model, which considers that the price is formed by the cost plus the target profit. The interest rate of any loan should include the following four parts: (1) the financing cost of the loan; (2) the loan-related