Study On Loan Pricing Of Rural Credit Cooperative

Rural credit cooperative as the main body of rural finance in our country, it plays an important role in support of agriculture,develop rural economics and Increasing farmer income.Fiduciary loanis the main business of rural credit cooperative,it also the main source of profit,so make the scientific loan pricing policy, determine a reasonable loan price is helpful for rural credit cooperative to strengthen cost accounting, to guard against credit risk, expand the business, expand market share, enhance its market competitive power continuously. With market oriented reform of interest rate, and the access restrictions of rural financial market lift a ban, the competition in rural financial market will more and more bitterly. In order to enhance their own competitiveness, contractible the gap with joint-equity banks and state-owned banks,the rural credit cooperative need to change the loan pricing mode of" benchmark interest rate and floating " urgent.Therefore, study and formulate the scientific loan pricing methods, inevitable demand of the rural credit cooperative’s development, but also the stability of rural credit, accelerate reform in rural market-oriented interest rate, give strong backing to the development of local economy, and "Farmers, Rural Areas, Agriculture Production".The article is aimed at our country rural credit cooperative loan pricing in the status quo, the main purpose of the study is to investigate loan pricing model compliance with the rural credit cooperative actual, combined with the domestic and foreign financial institutions loans pricing mode, put forward reasonable suggestions.to rural credit cooperative to improve the loan current pricing mechanism.This paper is mainly divided into five parts, the first part introduces the research background, significance, and the research ideas and methods; The second part describes the related knowledge on rural credit cooperative loan pricing, including relevant concept, in the analysis of the factors affecting pricing from the market factors, bank and customer perspective, a simple analysis of three kinds of loan pricing methods at abroad; A detailed analysis of credit pricing in rural credit cooperatives of Shandong, including pricing reform, current pricing policy and existing problems in third part;According to the fourth part used abroad for loan pricing model, to design suitable for rural credit pricing methods, and illustrates the rationality; Fifth part be directed against to the problem found in the former parts, put forward recommendations and measures to perfect the loan pricing policy of rural credit cooperative in. our country.