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随着我国利率市场化改革的推进,利率水平越来越真实地反映一段时期的资金价格,但农村信用社普遍定价过高,远高于区域内同期商业银行的贷款利率水平,与农业的低效益形成强烈的反差,而且过高的利率有悖于支持“三农”发展的宗旨。因此,寻求既能满足“三农”资金的需求又能促进农村信用社稳健发展的合理资金价格,已成为目前农村信用社贷款利率定价的重点。
With the marketization of interest rate reform in our country, the interest rate level reflects the capital price in a period of time more and more truly. However, RCCs are generally priced too high, much higher than the lending rates of commercial banks in the same period in the region, There is a strong contrast between the benefits and excessively high interest rates are contrary to the principle of supporting the development of agriculture, rural areas and farmers. Therefore, seeking a reasonable fund price that can meet the demand of “three rural” funds and promote the steady development of rural credit cooperatives has become the focus of pricing interest rates of rural credit cooperatives.