论文部分内容阅读
利差收窄、同业竞争加剧、金融脱媒、银行业不良反弹及降低企业融资成本压力加大等严峻挑战,迫切要求以存贷利差为主要收入来源的农村中小金融机构摒弃原有的粗放式贷款定价模式,实行贷款定价的精细化管理。鉴于不同地区不同机构贷款定价现状的巨大差异,农村中小金融机构应将贷款定价纳入转型发展的长期战略中去,从探索适合自身的贷款定价方式入手,逐步建立有效的贷款定价管理机制和体系,夯实系统建设,数据收集、人才培养等
Narrowing spreads, aggravating interbank competition, financial disintermediation, bad banking rebound and reducing the pressure on corporate financing costs. It is urgent to demand that small and medium-sized financial institutions that use deposits and loans as their main source of income should abandon their original extensive Loan pricing model, the implementation of refined pricing of loans management. Given the huge differences in loan pricing between different institutions in different regions, rural small and medium financial institutions should incorporate loan pricing into the long-term strategy of restructuring and development. Starting with the exploration of suitable loan pricing models, we should gradually establish an effective loan pricing management mechanism and system, Consolidate system construction, data collection, personnel training