本文關(guān)鍵詞：中國(guó)農(nóng)信社貸款利率定價(jià)模式探討　出處：《廣東財(cái)經(jīng)大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

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【摘要】：目前，農(nóng)信社的利率定價(jià)普遍采取基準(zhǔn)利率加點(diǎn)模式，該模式未考慮農(nóng)信社的經(jīng)營(yíng)成本、目標(biāo)利潤(rùn)率、稅負(fù)水平以及競(jìng)爭(zhēng)等要素，風(fēng)險(xiǎn)加點(diǎn)也過(guò)為簡(jiǎn)單，因而難以科學(xué)合理地量化信貸中的潛在風(fēng)險(xiǎn)，實(shí)踐中“人情利率”、利率浮動(dòng)“一刀切”及“一浮到頂”等現(xiàn)象較為普遍。隨著利率市場(chǎng)化進(jìn)程加快，農(nóng)信社現(xiàn)有的利率定價(jià)模式不僅制約了“三農(nóng)”經(jīng)濟(jì)的發(fā)展,也成為了農(nóng)信社自身發(fā)展的瓶頸。為此，構(gòu)建科學(xué)合理的農(nóng)信社定價(jià)模式顯得尤為迫切。 在本文中，筆者首先對(duì)貸款利率定價(jià)的主要理論及方法進(jìn)行綜述，并運(yùn)用分析比較的方法對(duì)目前國(guó)外常用的利率定價(jià)模式進(jìn)行了優(yōu)缺點(diǎn)分析，接著對(duì)我國(guó)商業(yè)銀行目前利率定價(jià)過(guò)程中面臨的問(wèn)題進(jìn)行了綜合分析，然后再對(duì)農(nóng)信社貸款利率定價(jià)背景、現(xiàn)狀及存在問(wèn)題進(jìn)行詳細(xì)剖析，發(fā)現(xiàn)農(nóng)信社的定價(jià)模式定價(jià)時(shí)考慮的因素較少，，沒(méi)有完全體現(xiàn)風(fēng)險(xiǎn)與收益相匹配、區(qū)別對(duì)待等原則。基于上述分析，筆者提出了構(gòu)建農(nóng)信社貸款利率定價(jià)模式時(shí)需遵循便利性、可操作性、合理性、效益性、市場(chǎng)性和差異化等六條原則。接著，在綜合成本加成模式和基準(zhǔn)利率加點(diǎn)模式的基礎(chǔ)上，本文構(gòu)建了新的農(nóng)信社的貸款利率定價(jià)模式。該模式的基本思路是農(nóng)信社利率應(yīng)該包含基本利率以及風(fēng)險(xiǎn)補(bǔ)償價(jià)格兩部分，主要特點(diǎn)是：模式除了體現(xiàn)農(nóng)信社的資金成本、經(jīng)營(yíng)成本、目標(biāo)利潤(rùn)率、稅負(fù)水平等主要要素對(duì)利率的影響外，還通過(guò)合理設(shè)置限制條件，體現(xiàn)了在利率市場(chǎng)化的背景下同一地區(qū)銀行機(jī)構(gòu)的貸款業(yè)務(wù)競(jìng)爭(zhēng)因素以及貸款客戶差異化定價(jià)因素。最后的實(shí)證結(jié)果顯示，本文所構(gòu)建的貸款利率定價(jià)模式所確定的農(nóng)信社貸款利率符合理論預(yù)期，與農(nóng)信社實(shí)際利率也有一定的接近性。
[Abstract]:At present, the interest rate pricing of RCCs generally adopts the model of benchmark interest rate addition, which does not take into account the operating cost, target profit rate, tax burden level and competition factors of RCCs, and the risk increase is too simple. Therefore, it is difficult to scientifically and reasonably quantify the potential risks in credit. In practice, the phenomena of "human interest rate", "one-size-fits-all" interest rate floating and "floating to the top" are relatively common. The current interest rate pricing model of RCCs not only restricts the development of the economy of agriculture, rural areas and farmers, but also becomes the bottleneck of the development of RCCs. Therefore, it is particularly urgent to construct a scientific and reasonable pricing model of RCCs. In this paper, the author first summarizes the main theories and methods of loan interest rate pricing, and analyzes the advantages and disadvantages of interest rate pricing models commonly used abroad by means of analysis and comparison. Then the paper makes a comprehensive analysis of the problems faced by commercial banks in the process of interest rate pricing, and then makes a detailed analysis of the background, current situation and existing problems of the interest rate pricing of RCCs. It is found that the pricing model of RCCs takes less factors into consideration, and does not fully reflect the principles of matching risk and income, differential treatment, etc. Based on the above analysis. The author puts forward six principles of convenience, maneuverability, rationality, efficiency, marketability and differentiation when constructing the pricing mode of interest rate of rural credit cooperatives. On the basis of the cost plus model and the base interest rate plus point model. This paper constructs a new pricing model of loan interest rate for RCCs. The basic idea of this model is that the RCCs interest rate should consist of two parts: the basic interest rate and the risk compensation price. The main characteristics of the model are: in addition to reflect the rural credit cooperatives' capital cost, operating costs, target profit rate, tax burden level and other main elements of the impact on the interest rate, but also through the reasonable setting of restrictions. Under the background of interest rate marketization, it reflects the competitive factors of loan business and the differential pricing factors of loan customers in the same region. Finally, the empirical results show that. The pricing model of the loan interest rate established in this paper accords with the theoretical expectation and is close to the real interest rate of the rural credit cooperative.
【學(xué)位授予單位】：廣東財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.4

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