2014年赤峰市巴林左旗农村信用社率先进行了贷款利率市场化试点,经过半年的运营,已初见成效。赤峰市巴林左旗农村信用社于2014年1月1日正式出台了《巴林左旗农村信用合作联社贷款利率定价管理办法(试行)》(以下简称《办法》),依据此办法,巴林左旗贷款利率定价在综合考察资金成本、经营成本、税负成本和目标利润的基础上,确定基础利率,各项贷款利率均在基础利率基准上下浮动;同时,根据客户对象、贷款方式、客户贡献度等实行差别化定价。从2014年上半年的情况看,该办法的 In 2014, the pilot project of marketization of lending rates took the lead in Bahrain Left Banner Rural Credit Cooperatives in Chifeng City. After six months of operation, initial success has been achieved. On January 1, 2014, Chinalin’s Rural Credit Cooperatives in Bahrain Left Banner formally promulgated the Administrative Measures for Interest Rates Pricing of Loan in Rural Credit Cooperatives of Bahrain (Trial) (hereinafter referred to as the “Measures”), according to which Bahrain Left Based on the comprehensive examination of the capital cost, operating cost, tax burden cost and target profit, the benchmark interest rate and the loan interest rate all fluctuate on the basis of the benchmark interest rate. At the same time, according to the customer target, loan mode, customer contribution Degree differential pricing and other implementation. From the situation in the first half of 2014, the way