Research On Loan Pricing Of Rural Credit Cooperative

The " Twelfth Five-Year Plan" period, China's market-oriented interest rate reform will be advanced greatly, rural financial market competition further intensifies, and gradually establish a scientific loan pricing mechanism, change extensive interest rate pricing mode of the rural credit cooperatives is urgent to solve the problem. But because of the historical reasons and special internal and external environment, the rural credit cooperative loan pricing lacking of theoretical research and technical support, to establish a scientific, practical models of loan pricing is an important issue facing the rural credit cooperatives.The main purpose of this paper is to improve the rural credit cooperative loan pricing model for theoretical study and empirical analysis. The paper firstly describes the general principle of loan pricing in rural credit cooperative loan pricing reference. Then analyzes the rural credit cooperative loan pricing situation, reviews the loan pricing process, reveals the rural credit cooperative loan pricing and main problems existing in the management of rate. Then basised on the modern loan pricing theory, making full use of the commercial bank loan pricing comparative mature mode, using a combination of history and logic, theory and practical survey combination and comparative analysis method, put forward our country rural credit cooperative loan pricing model. At the same time, using of Shandong province rural credit cooperatives operating data to carry out empirical analysis, making suggestions focusing on further improve the loan pricing and the pricing model support. The paper combination of rural credit cooperatives Management Level and rural financial market development situation, give full consideration to the credit loan pricing in the special factors, build a strong operability, conform to the rural credit cooperative actual loan pricing model, improved the pricing model.This paper consists of five chapters, Chapter one mainly explains the research background and significance, literature reviews and the research ideas and methods, and the possible innovations; Chapter two introduces the loan pricing theory; Chapter three analyzes the current situation of rural credit cooperative loan pricing; Chapter four reconstructs the model of rural credit cooperative loan pricing, and makes empirical analysis based on the Shandong province rural credit cooperative data; Chapter five is the conclusion, and also takes recommendations of improving loan pricing mechanism.