【摘要】：二十世紀末,中國農(nóng)業(yè)發(fā)展銀行開始出現(xiàn)在人們的視野中,作為國家經(jīng)濟宏觀調(diào)控的工具,在服務(wù)“三農(nóng)”的戰(zhàn)略高度上對進行新農(nóng)村建設(shè)的規(guī)劃與指導(dǎo)以及農(nóng)業(yè)發(fā)展銀行在金融行業(yè)合規(guī)持續(xù)發(fā)展有著多層意義。作為支持社會主義新農(nóng)村的主力軍及自負盈虧的金融機構(gòu),如何做好政策性銀行開展的商業(yè)性業(yè)務(wù),從而適應(yīng)金融市場殘酷的競爭,勢必要加強貸款定價機制的建設(shè),使之更加科學(xué)嚴謹。農(nóng)業(yè)發(fā)展銀行起步較晚,規(guī)模較小,各項機制與業(yè)務(wù)開展尚不成熟,但可以及時吸取處于前沿的理念與科學(xué)的制度辦法,本文介紹內(nèi)部資金轉(zhuǎn)移法及風(fēng)險溢價理論,以幫助客戶盈利分析貸款定價模型在阜新農(nóng)業(yè)發(fā)展銀行的引入,這種引入不是盲目的,是通過詳細分析農(nóng)業(yè)發(fā)展銀行現(xiàn)行貸款定價問題的機制與暴露的問題,且比較國內(nèi)外先進的定價模型基礎(chǔ)上得出的。通過對客戶盈利分析模型的印證,主要因素是為了獲得預(yù)期的目標利潤,既要考慮金融機構(gòu)為客戶提供貸款及相關(guān)業(yè)務(wù)應(yīng)得到的收入,以及付出的成本。站在銀行與客戶利益雙贏的立場上,銀行既要考慮自己的切身利益又要營銷好客戶為自己提供可持續(xù)發(fā)展,因此為客戶發(fā)放貸款和提供相關(guān)服務(wù)所獲取的中間業(yè)務(wù)費、利息收入、結(jié)算收入需測算準確。同時為客戶發(fā)放貸款而產(chǎn)生的成本也要考慮其中,如向中央銀行借款的資金成本、地域資金周轉(zhuǎn)成本、信貸資金發(fā)放的風(fēng)險成本即風(fēng)險溢價等。同時對銀行來說最根本的是要考慮既定的目標利潤。因此,收入、成本、目標利潤是決定貸款定價的主要因素,其他的是為客戶提供服務(wù)所收取的一定費用收入。綜上所述,本文在利率完全交由市場來調(diào)節(jié)的情況下,應(yīng)用了基于客戶盈利分析的貸款定價模型來適應(yīng)競爭日益激烈的金融市場。通過對樣本數(shù)據(jù)的計算、為客戶提供信貸資金所帶來的收入及其相應(yīng)產(chǎn)生資金、經(jīng)營、風(fēng)險溢價等成本,最終使銀行有利可圖并取得的目標利潤從而形成合理的貸款定價方案,該方案使客戶與銀行的聯(lián)系更為密切,突出了以客戶為中心的貸款定價理念,使客戶與銀行達到雙贏。這對于我國當前的貸款定價在理論上具有一定的指導(dǎo)意義。
[Abstract]:At the end of the 20th century, the Agricultural Development Bank of China began to appear in the eyes of people, as a tool of national macroeconomic regulation and control. In the strategic height of serving the "three rural areas", it is of multi-level significance to plan and guide the construction of the new countryside and to maintain the compliance of the Agricultural Development Bank in the financial industry. As the main force supporting the new socialist countryside and the financial institutions that are responsible for their own profits and losses, how to do well the commercial business carried out by the policy banks, so as to adapt to the cruel competition in the financial market, is bound to strengthen the construction of the loan pricing mechanism. Make it more scientific and rigorous. The agricultural development bank starts late, the scale is relatively small, each mechanism and the business development is not yet mature, but can absorb the idea and the scientific system method in time, this article introduces the internal capital transfer method and the risk premium theory, The introduction of loan pricing model in Fuxin Agricultural Development Bank to help customers' profit analysis is not blind, but through a detailed analysis of the mechanism and exposed problems of the current loan pricing problem of the Agricultural Development Bank. And compared with the domestic and foreign advanced pricing model based on the conclusion. Through the verification of the customer profit analysis model, the main factor is to obtain the expected target profit, we should consider the income and the cost that the financial institution should get to provide the loan and the related business to the customer. Standing on the position of win-win between banks and customers, banks should not only consider their own vital interests but also market their customers to provide themselves with sustainable development, so they can obtain intermediate business fees for their loans and related services. Interest income, settlement income should be measured accurately. At the same time, the cost of issuing loans for clients should be considered, such as the cost of borrowing from the central bank, the cost of regional capital turnover, the risk cost of credit fund issuance, that is, risk premium, and so on. At the same time, the most fundamental thing for banks is to consider the target profit. Thus, revenue, cost, and target profit are the main factors determining the pricing of the loan, and the other is the fee income charged for providing services to the client. To sum up, this paper applies the loan pricing model based on customer profit analysis to adapt to the increasingly competitive financial market when the interest rate is completely regulated by the market. Through the calculation of the sample data, the income brought by providing the credit fund to the customer and the corresponding cost of the capital, operation, risk premium and so on, finally make the bank profitable and obtain the target profit, so as to form a reasonable loan pricing scheme. This scheme makes the relationship between customer and bank closer and highlights the concept of customer-centered loan pricing, which makes the customer and bank achieve win-win situation. This has certain guiding significance to the current loan pricing in our country.
【學(xué)位授予單位】：東北大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.31

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