一、现状 一是没有形成合理的贷款浮动利 率定价机制。当前农村信用社执行的贷 款利率不是在综合考虑农户的信用状 况、规模大小、经营状况、发展前景等情 况．结合贷款风险、成本等因素进行差 别定价。而是由各省农村信用社内部的 行业协会在国家允许浮动的区间内，统 一制定一个利率浮动区间。具有变相的 主观判断和统一价格的特征，加重了农 民的利息负担，也制约了自身业务的发 展。二是定价程序缺乏科学性。虽然定 价前也要进行测算，但事前缺乏对市场 承受能力和资金供求状况的充分细致 的调查分析，事中缺乏对影响利率定价 First, the status quo First, there is no reasonable loan floating interest rate pricing mechanism. At present, the RCCs’ interest rates on loans are not based on a comprehensive consideration of the credit status, size, operation status and development prospect of farmers. With the loan risk, cost and other factors for differential pricing. Rather, the industry associations within the rural RCCs in each province uniformly formulate a floating range of interest rates within the floating range allowed by the state. Subjective judgment in disguise and the characteristics of a unified price have aggravated the peasants’ interest burden and also restricted the development of their own businesses. Second, the pricing process is not scientific. Although the price must be measured before, but the lack of market affordability and funding supply and demand in the full and meticulous investigation and analysis, there is a lack of interest rates affect the pricing