本文選題：農(nóng)合機構(gòu) + 貸款定價��； 參考：《陜西師范大學》2015年碩士論文

【摘要】：貸款利率定價是銀行業(yè)金融機構(gòu)經(jīng)營管理中的核心問題,而作為農(nóng)村金融服務主力軍的農(nóng)村合作金融機構(gòu),貸款定價水平很大程度上決定了其在支持“三農(nóng)”發(fā)展中發(fā)揮的作用。當前我國農(nóng)合機構(gòu)貸款定價機制單一粗放,貸款利率水平普遍較高,因此對其貸款利率定價機制進行研究,分析貸款利率的影響和決定因素,從而改進和優(yōu)化定價機制是非常迫切的課題。本文主要歸納了商業(yè)銀行貸款定價的理論和方法,通過文獻分析等對農(nóng)合機構(gòu)貸款定價情況進行了闡述,研究了農(nóng)合機構(gòu)貸款定價方面的問題,在此基礎上以A農(nóng)信社為例,采取定性和定量相結(jié)合的方法,從資金供給、資金需求和外部環(huán)境三方面,從宏觀和微觀兩個角度,并通過構(gòu)建模型對回歸結(jié)果進行分析,確定了決定和影響農(nóng)合機構(gòu)貸款利率定價的因素,并據(jù)此從轉(zhuǎn)變農(nóng)合機構(gòu)經(jīng)營策略、完善農(nóng)合機構(gòu)定價機制方面針對性的提出改進建議。本文研究得出的主要結(jié)論如下：一是農(nóng)合機構(gòu)貸款利率定價機制較為落后,存在貸款利率普遍較高、定價體系不完善、定價方式粗放單一等問題,農(nóng)合機構(gòu)必須提高對利率管理工作的重視程度,強化定價體系建設,提升內(nèi)部管理水平,通過市場細分進行精細化、差別化定價。二是影響貸款定價的因素包括資金供給因素中的資金成本、貸款業(yè)務費用、目標利潤,資金需求因素中的資金需求者類別、需求者規(guī)模和需求期限,以及外部因素中的信貸市場的競爭程度、農(nóng)村信用生態(tài)環(huán)境、基準利率水平等,在進行貸款定價時必須全面的考慮。三是資金成本率、業(yè)務費用率是決定農(nóng)合機構(gòu)貸款定價的關鍵因素,農(nóng)合機構(gòu)當前必須全面轉(zhuǎn)變經(jīng)營觀念,對資源進行有效集中和配置利用,通過科學籌劃資金來降低資金成本,精細核算經(jīng)營費用以逐步實現(xiàn)集約化經(jīng)營,積極進行中間業(yè)務產(chǎn)品創(chuàng)新等拓寬資金渠道來源,爭取實現(xiàn)資金收益的最大化。
[Abstract]:The pricing of loan interest rate is the core problem in the operation and management of banking financial institutions, and as the main force of rural financial services, rural cooperative financial institutions, Loan pricing level largely determines its role in supporting the development of agriculture, rural areas and farmers. At present, the loan pricing mechanism of agricultural cooperative institutions in China is simple and extensive, and the level of loan interest rate is generally high. Therefore, the pricing mechanism of loan interest rate is studied, and the influence and determinant factors of loan interest rate are analyzed. To improve and optimize the pricing mechanism is a very urgent issue. This paper mainly summarizes the theory and method of loan pricing in commercial banks, expounds the pricing situation of agricultural cooperative institutions through literature analysis, studies the problems in the pricing of loans of agricultural cooperative institutions, and takes A rural credit cooperative as an example. Using qualitative and quantitative methods, from the three aspects of capital supply, capital demand and external environment, from the macro and micro perspectives, and through the construction of a model to analyze the regression results. The factors of determining and influencing the pricing of interest rate of agricultural cooperative institutions are determined, and suggestions are put forward to improve the pricing mechanism of agricultural cooperative institutions from the aspects of changing the management strategy of agricultural cooperative institutions and perfecting the pricing mechanism of agricultural cooperative institutions. The main conclusions of this paper are as follows: first, the pricing mechanism of agricultural cooperative institutions' loan interest rate is relatively backward, the loan interest rate is generally high, the pricing system is not perfect, the pricing method is extensive and single, and so on. Agricultural cooperative institutions must pay more attention to interest rate management, strengthen the construction of pricing system, improve the level of internal management, refine and differentiate pricing through market segmentation. Second, the factors that affect the pricing of loans include the cost of capital, the cost of loan business, the target profit, the type of the capital demanders, the size of the demanders and the duration of the demand. The external factors such as the competitive degree of credit market, the ecological environment of rural credit, the level of benchmark interest rate and so on, must be taken into account in the pricing of loans. Third, the rate of capital cost, the rate of operating expenses is the key factor to determine the pricing of loans of agricultural cooperative institutions. At present, agricultural cooperation organizations must change their business concepts comprehensively, and effectively concentrate and allocate resources. Through the scientific planning of funds to reduce the cost of funds, the fine accounting of operating expenses to gradually realize intensive management, actively engaged in intermediate business product innovation to broaden the source of funds, and strive to achieve the maximization of capital income.
【學位授予單位】：陜西師范大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：F832.4

【參考文獻】

相關期刊論文 前1條

1 宋文tD;;關于農(nóng)村信用社貸款利率定價問題的探討[J];中國農(nóng)村金融;2011年15期

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本文編號：1919141