本文選題：農(nóng)村信用社 + 貸款定價(jià)�。� 參考：《河北工業(yè)大學(xué)》2014年碩士論文

【摘要】：本文以山東省農(nóng)村信用社現(xiàn)有的貸款定價(jià)模型和許多學(xué)者的研究成果為基礎(chǔ)，，通過(guò)對(duì)商業(yè)銀行的貸款定價(jià)理論和模型進(jìn)行分析，把商業(yè)銀行貸款定價(jià)的一般理論應(yīng)用到農(nóng)村信用社貸款定價(jià)研究中，同時(shí)結(jié)合山東省農(nóng)村信用社的貸款定價(jià)現(xiàn)狀和影響貸款定價(jià)的特殊因素，在介紹山東省農(nóng)村信用社貸款定價(jià)現(xiàn)狀后，針對(duì)當(dāng)前貸款定價(jià)存在的問(wèn)題，在原有貸款定價(jià)模型的基礎(chǔ)上對(duì)其進(jìn)行改進(jìn)，分企業(yè)和個(gè)人客戶重點(diǎn)分析客戶信用違約率、擔(dān)保方式、客戶綜合貢獻(xiàn)度對(duì)貸款價(jià)格的影響，形成新的定價(jià)模型，即建立一個(gè)“在人民銀行基準(zhǔn)利率的基礎(chǔ)上，綜合考慮客戶風(fēng)險(xiǎn)度、擔(dān)保方式和客戶綜合貢獻(xiàn)度，然后考慮市場(chǎng)競(jìng)爭(zhēng)程度進(jìn)行議價(jià)，最終確定貸款利率”的定價(jià)模型，提出將成本核算、市場(chǎng)競(jìng)爭(zhēng)程度者兩項(xiàng)統(tǒng)一為目標(biāo)利潤(rùn)率，作為外生變量進(jìn)行控制，將客戶違約率作為貸款定價(jià)的主要因素進(jìn)行分析，同時(shí)進(jìn)一步將信用等級(jí)、規(guī)模、所處行業(yè)、擔(dān)保方式等轉(zhuǎn)化為違約率指標(biāo)，采用回歸分析的方法確定貸款價(jià)格與違約率的對(duì)應(yīng)關(guān)系，最后通過(guò)客戶綜合貢獻(xiàn)度進(jìn)行調(diào)整，最終確定貸款價(jià)格。最后，本文對(duì)實(shí)施新的貸款定價(jià)模型提出的工作建議。
[Abstract]:Based on the existing loan pricing model of Shandong Rural Credit Cooperative and the research results of many scholars, this paper analyzes the loan pricing theory and model of commercial banks. This paper applies the general theory of loan pricing of commercial banks to the study of loan pricing of rural credit cooperatives, and combines the present situation of loan pricing of rural credit cooperatives in Shandong Province and the special factors affecting the pricing of loans. After introducing the current situation of loan pricing of rural credit cooperatives in Shandong province, this paper improves the loan pricing model based on the original loan pricing model, and analyzes the credit default rate of customers by enterprises and individual customers. A new pricing model is established, which is based on the benchmark interest rate of the people's Bank of China, considering the risk degree of customer, the way of guarantee and the comprehensive contribution degree of customer. Then consider the degree of market competition to negotiate, finally determine the loan interest rate "pricing model, the cost accounting, market competition degree of the two unified as the target profit margin, as an exogenous variable to control, The customer default rate is regarded as the main factor of loan pricing. At the same time, the credit rating, scale, industry, guarantee method and so on are transformed into default rate indicators. The relationship between loan price and default rate is determined by regression analysis. Finally, the loan price is determined by adjusting the customer's comprehensive contribution. Finally, the paper puts forward some suggestions to implement the new loan pricing model.
【學(xué)位授予單位】：河北工業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.4

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