农村信用社利率定价中存在的问题贷款利率定价趋于固化模式。当前,农村信用社的贷款利率定价权全部集中在省联社或市级联社,县联社只有贯彻执行权,没有定价自主权。对既未授信又不是信用户的客户发放贷款,只是依据上级联社确定的利率,贷款定价完全实行“一刀切”“一浮到顶”政策。 Problems in Interest Rate Pricing of Rural Credit Cooperatives Pricing of lending rates tends to solidify. At present, the pricing power of RCCs’ loan interest rates is all concentrated in the provincial association or municipal association, and the county association only has the right of implementation and no pricing autonomy. Loans to customers who have neither been granted nor trusted are based solely on the interest rates set by the Associated Press, and the pricing of loans is fully implemented in the “one size fits all” policy.