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对辖内先进农商行,引导其不断加强管理系统工具和风险管理手段的运用;对于其他农村中小金融机构,引导其在完善农户和中小企业信货技术的基础上:建立适合自身情况的贷款定价管理机制央行在2015年10月24日降息并放开存款利率浮动上限后,利率已在政策层面实现了完全市场化。农村中小金融机构资产负债管理能力面临考验,迫切需要强化贷款定价管理。江苏银监局积极推动辖内农商行提升贷款定价精细化管理水平,强化系统支撑,提升风险计量水平。
For advanced rural commercial banks in the jurisdiction, guide them to continuously strengthen the use of management system tools and risk management tools; for other small and medium-sized financial institutions in rural areas, guide them to improve their loan technology for farmers and small and medium-sized enterprises on the basis of establishing a suitable loan pricing model After the central bank cut interest rates on October 24, 2015 and released the floating ceiling on deposit interest rates, interest rates have been fully marketized at the policy level. Assets and liabilities management capabilities of rural small and medium financial institutions face the test, there is an urgent need to strengthen the loan pricing management. Jiangsu CBRC actively promoted its rural commercial banks to improve the refined management of loan pricing, strengthened system support and upgraded the risk measurement.