论文部分内容阅读
近年来,随着我国利率市场化的逐步推进,农信社已经建立了初具雏形的贷款定价机制,但是自主定价能力仍较弱,贷款定价机制的科学性与利率市场化的要求仍有较大的距离。完善的利率定价机制是进行利率风险管理的基础。农信社建立科学、合理的定价机制和定价模型,对支农效果、竞争能力和经营效益将产生深远的影响。本文正是结合农信社现有的基础数据和技术条件,设计科学的定价机制和模型。
In recent years, with the gradual progress of marketization of interest rates in China, RCCs have established a rudimentary loan pricing mechanism, but their independent pricing power is still weak. The scientific nature of the loan pricing mechanism and the requirement of market-based interest rates are still relatively poor Great distance. Perfect interest rate pricing mechanism is the basis of interest rate risk management. The establishment of a scientific and reasonable pricing mechanism and pricing model by RCCs will have a far-reaching impact on the agricultural supportiveness, competitiveness and operational efficiency. This article is based on the existing basic data and technical conditions of RCCs, and designs scientific pricing mechanism and model.