本文選題：農(nóng)村信用社 + 貸款定價��； 參考：《陜西師范大學》2013年碩士論文

【摘要】：隨著我國金融體制改革的逐步深入,利率市場化改革也進入全面加速時期,利率管制日益松動,金融機構(gòu)的自主定價權(quán)逐步提高,利率市場化對農(nóng)村信用社的經(jīng)營發(fā)展必將帶來巨大影響。同時,越來越多的國內(nèi)外金融機構(gòu)進駐農(nóng)村金融市場,農(nóng)村信用社將面臨越來越激烈的市場競爭。近年來,農(nóng)村信用社積極探索適應(yīng)自身實際的貸款利率定價模式,但受制于內(nèi)部經(jīng)營體制、外部市場環(huán)境的約束,農(nóng)村信用社貸款定價模式粗放,建立科學的貸款定價模式已成為農(nóng)村信用社發(fā)展亟待解決的重要課題。 本論文的主要研究目的是在系統(tǒng)分析比較國外與國內(nèi)貸款定價模式的基礎(chǔ)上,結(jié)合山東省聊城農(nóng)村信用社實例,分析當前聊城農(nóng)村信用社貸款定價存在的主要問題,探究其根源,為改進聊城農(nóng)村信用社貸款定價模式進行理論探索。論文結(jié)合聊城農(nóng)村信用社貸款定價實際情況,根據(jù)市場客戶細分理論設(shè)計出聊城農(nóng)村信用社貸款定價的模式選擇。研究所得出的主要結(jié)論如下： (1)利率市場化沖擊聊城農(nóng)村信用社貸款定價模式。面對利率市場化趨勢和農(nóng)村金融市場日趨激烈的競爭格局,聊城農(nóng)村信用社必須轉(zhuǎn)變當前粗放的貸款定價模式,建立科學、高效的貸款定價模式,以更好地控制風險、提高收益,鞏固和擴大市場占有率。 (2)聊城農(nóng)村信用社應(yīng)從自身實際出發(fā)設(shè)計貸款定價模式。作為聊城農(nóng)村金融市場的主力軍,聊城農(nóng)村信用社承擔著支農(nóng)惠農(nóng)任務(wù),員工總體素質(zhì)不高、法人治理不完善、客戶群體風險承受力弱、全市8家法人機構(gòu)不同的經(jīng)營發(fā)展趨勢等,決定了在貸款定價模式選擇中,不能照搬商業(yè)銀行及其他農(nóng)村信用社的模式,應(yīng)結(jié)合自身實際設(shè)計 (3)基于客戶細分的貸款定價模式更適合聊城農(nóng)村信用社業(yè)務(wù)實際。聊城農(nóng)村信用社客戶群體多樣,市場競爭激烈,基于客戶細分的貸款定價模式,有利于聊城農(nóng)村信用社集中資源,有針對地進行營銷,以最小資源成本獲得最大市場占有率；同時,客戶細分貸款定價模式良好的針對性也有利于提高信貸資產(chǎn)的安全性、流動性與收益性。 論文的特色及創(chuàng)新之處在于 (1)聊城農(nóng)村信用社貸款定價模式的理論探索。當前,國內(nèi)對貸款定價問題的理論貢獻較少,且主要集中于對國內(nèi)銀行業(yè)金融機構(gòu)貸款定價存在問題的分析及對策的提出上,對如何構(gòu)建符合農(nóng)村金融機構(gòu)實際,特別是結(jié)合地方特色的定價模式論述較少。本論文結(jié)合聊城農(nóng)村信用社實例對定價模式進行設(shè)計,具有(?)定的開拓性。 (2)提出了基于客戶細分的聊城農(nóng)村信用社貸款定價模式。本論文在比較國外與國內(nèi)的貸款定價模式的基礎(chǔ)上,基于聊城農(nóng)村信用社實際,提出了基于客戶細分的貸款定價模式選擇,對當前聊城農(nóng)村信用社完善貸款定價機制,提高經(jīng)營管理水平,擴大市場占有率等有積極影響,對其他農(nóng)村信用社貸款定價模式的選擇也有參考價值。
[Abstract]:With the gradual deepening of the reform of the financial system in China, the reform of interest rate marketization has also entered a period of comprehensive acceleration, the control of interest rate has become increasingly loose, the independent pricing power of financial institutions has been gradually improved, and the marketization of interest rates will bring great influence on the operation and development of rural credit cooperatives. At the same time, more and more domestic and foreign financial institutions are in rural finance. In the market, the rural credit cooperatives will face more and more fierce market competition. In recent years, the rural credit cooperatives actively explore the loan interest rate pricing model adapting to their own reality, but are restricted by the internal management system, the external market environment, the rural credit cooperatives' loan pricing model is extensive, and the establishment of a scientific loan pricing model has become the rural credit. The development of society is an important issue to be solved.
The main purpose of this paper is to analyze and compare the foreign and domestic loan pricing models systematically, and combine with the rural credit cooperatives in Liaocheng, Shandong Province, to analyze the main problems existing in the current loan pricing of Liaocheng rural credit cooperatives, explore its root, and explore the theoretical exploration for improving the loan pricing model of the rural credit cooperatives in Liaocheng. According to the actual situation of the loan pricing in Liaocheng rural credit cooperatives, the model selection of the loan pricing of Liaocheng rural credit cooperatives is designed according to the market customer segmentation theory. The main conclusions are as follows:
(1) the interest rate marketization impact the Liaocheng rural credit cooperative loan pricing model. Facing the trend of interest rate marketization and the increasingly fierce competition pattern in the rural financial market, the rural credit cooperatives in Liaocheng must change the current rough loan pricing model, establish scientific and efficient loan pricing model, in order to better control the risk, improve the income, consolidate and expand. Large market share.
(2) the Liaocheng rural credit cooperatives should design the loan pricing model from its own reality. As the main force of the rural financial market in Liaocheng, the rural credit cooperatives in Liaocheng bear the task of supporting agriculture and benefiting agriculture, the overall quality of the staff is not high, the legal person governance is not perfect, the risk of the customer is weak, and the 8 different business development trends of the city are different. Fixed in the choice of loan pricing mode, we should not copy the mode of commercial banks and other rural credit cooperatives, and should combine their own actual design.
(3) the loan pricing model based on customer segmentation is more suitable for the practice of Liaocheng rural credit cooperatives. There are various customer groups in Liaocheng rural credit cooperatives, the market competition is fierce, and the loan pricing model based on customer segmentation is beneficial to the centralized resources of Liaocheng rural credit cooperatives, the marketing of the credit cooperatives and the maximum market possession at the minimum resource cost. At the same time, the good targeting of the customer segmentation loan pricing model is also conducive to improving the security, liquidity and profitability of credit assets.
The characteristics and innovation of the thesis lie in
(1) the theoretical exploration of the loan pricing model of Liaocheng rural credit cooperatives. At present, the theoretical contribution of domestic to the problem of loan pricing is less, and it mainly focuses on the analysis and Countermeasures of the existing problems of loan pricing in domestic banking financial institutions, and how to set up the pricing of the rural financial institutions, especially the local characteristics. There are few models. This paper combines the example of the rural credit cooperatives in Liaocheng to design the pricing model.
(2) the loan pricing model of Liaocheng Rural Credit Cooperatives Based on customer segmentation is put forward. Based on the comparison of foreign and domestic loan pricing models, based on the reality of rural credit cooperatives in Liaocheng, this paper puts forward the choice of loan pricing model based on customer segmentation, and improves the loan pricing mechanism for the current rural credit cooperatives in Liaocheng and improves the management management. The level of management and the expansion of market share have a positive impact on other rural credit cooperatives.

【學位授予單位】：陜西師范大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.35

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