利率市场化是指中央银行逐步放松和取消对利率的直接管制,由资金供求双方自主确定利率,以达到优化资金配置的目的。我国农村信用社利率市场化改革经过几年的试点和推行,取得了很大成绩,但仍存在不少制约因素。随着近两年业务竞争的不断加剧,农村信用社建立有效的贷款利率定价机制已迫在眉睫。 The market-based interest rate refers to the central bank gradually easing and lifting of the direct control of interest rates by the supply and demand of funds autonomy to determine interest rates in order to achieve the purpose of optimizing the allocation of funds. China’s rural credit cooperatives interest rate market-oriented reforms after several years of pilot and implementation, and achieved great success, but there are still many constraints. With the worsening of business competition in the past two years, it is imperative for rural credit cooperatives to establish an effective loan interest rate pricing mechanism.