本文關(guān)鍵詞：周口農(nóng)村信用社貸款定價問題研究　出處：《鄭州大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

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【摘要】：隨著利率市場化改革的快速推進,貸款定價問題越來越受各金融機構(gòu)的關(guān)注。農(nóng)村信用社作為我國農(nóng)村金融市場的主力軍,在支持農(nóng)村地區(qū)經(jīng)濟發(fā)展中占有十分重要的地位,貸款作為農(nóng)村信用社的主要業(yè)務(wù),其價格水平備受關(guān)注,但受歷史原因影響,目前農(nóng)村信用社在制定貸款價格時主觀性偏強,貸款定價體系不盡完善,這一因素嚴重影響著農(nóng)村信用社支持農(nóng)村經(jīng)濟發(fā)展的能力,不利于農(nóng)村信用社的長遠發(fā)展。因此,如何構(gòu)建科學(xué)的貸款定價模型來制定合理的貸款利率,對于增強農(nóng)村信用社金融服務(wù)經(jīng)濟的功能、優(yōu)化資源配置、降低農(nóng)村信用社貸款風險、減少其不良貸款的形成及增加農(nóng)村信用社收益,增強市場競爭力、走上可持續(xù)經(jīng)營發(fā)展之路具有非常重要現(xiàn)實意義。 本文共分為五個部分。第一部分主要介紹論文的研究背景與意義、貸款定價的相關(guān)理論研究和論文的研究內(nèi)容與方法。第二部分介紹周口農(nóng)村信用社的發(fā)展概況,以周口市市區(qū)農(nóng)村信用社聯(lián)社為例詳細介紹貸款定價的基本內(nèi)容,總結(jié)現(xiàn)行農(nóng)村信用社貸款定價的總體特征。第三部分以調(diào)查問卷的形式對農(nóng)村信用社貸款定價機制建設(shè)情況、貸款率執(zhí)行情況、農(nóng)村主要行業(yè)毛利潤率與貸款利率對比情況及利率新政策對農(nóng)村信用社發(fā)展影響情況四個方面展開調(diào)查,詳細分析周口農(nóng)村信用社的貸款定價現(xiàn)狀。第四部分在對周口農(nóng)村信用社貸款定價現(xiàn)狀進行實證分析的基礎(chǔ)上,總結(jié)周口農(nóng)村信用社在執(zhí)行貸款定價中存在的諸多問題,如方法過于簡單化、定價水平整體偏高、定價機制不健全等問題。然后對影響農(nóng)村信用社貸款定價的因素進行詳細分析。第五部分從完善農(nóng)村信用社貸款定價的外部環(huán)境與提高農(nóng)信社貸款定價管理的內(nèi)部措施兩個方面提出完善農(nóng)村信用社貸款定價的對策與建議。
[Abstract]:With the rapid development of market-oriented interest rate reform, the issue of loan pricing has attracted more and more attention of financial institutions. Rural credit cooperatives as the main force of rural financial markets in China. As the main business of rural credit cooperatives, the price level of credit cooperatives is concerned about, but affected by historical reasons. At present, rural credit cooperatives in the formulation of loan prices are subjective, loan pricing system is not perfect, this factor seriously affects the ability of rural credit cooperatives to support rural economic development. Therefore, how to set up a scientific loan pricing model to establish a reasonable loan interest rate, to enhance the function of rural credit cooperatives financial service economy, optimize the allocation of resources. It is of great practical significance to reduce the loan risk of rural credit cooperatives, to reduce the formation of non-performing loans, to increase the income of rural credit cooperatives, to enhance market competitiveness and to embark on the road of sustainable management and development. This paper is divided into five parts. The first part mainly introduces the research background and significance of the thesis. The second part introduces the development of Zhoukou Rural Credit Cooperative. Taking the rural credit cooperatives of Zhoukou city as an example, the basic content of loan pricing is introduced in detail. Summarize the overall characteristics of the current rural credit cooperatives loan pricing. The third part of the form of questionnaire to rural credit cooperatives loan pricing mechanism construction and loan rate implementation. The comparison between gross profit rate and loan interest rate and the impact of new interest rate policy on the development of rural credit cooperatives are investigated. Detailed analysis of the Zhoukou Rural Credit Cooperatives loan pricing situation. 4th part of the Zhoukou Rural Credit Cooperatives loan pricing based on empirical analysis. Summarized the Zhoukou Rural Credit Cooperative in the implementation of loan pricing problems, such as the method is too simple, the overall pricing level is on the high side. Then the factors influencing the pricing of loans of rural credit cooperatives are analyzed in detail. Part 5th from the external environment of improving the pricing of loans of rural credit cooperatives and the improvement of rural credit cooperatives loan pricing management. This paper puts forward the countermeasures and suggestions for perfecting the loan pricing of rural credit cooperatives in two aspects.
【學(xué)位授予單位】：鄭州大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.4

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