Study On The Influencing Factors Of Pingluo Rural Commercial Bank’s Loan Interest Rate Under The Background Of Interest Rate Marketization

Under the condition of interest rate marketization, and actively meet the challenges in the process of marketization, grasp the development opportunity brought by the market, improve the ability of loan interest rate pricing, loan interest rate pricing determined according to the demand of the market and operating costs, to build Pingluo rural commercial bank core competitive force is of great significance. In this paper, using principal component analysis method of Pingluo rural commercial bank loan interest rate pricing influence factors were studied. The results of the study show that under the condition of interest rate control Pingluo rural commercial bank loan interest rate pricing mainly by the benchmark interest rate, capital cost rate etc. factor influence. This paper is mainly divided into five parts to study the influencing factors of Pingluo rural commercial bank loan interest rate pricing. The first chapter is the introduction part. This paper mainly introduced the research purpose, significance, research status and research contents and methods. The second chapter is the loan interest rate pricing theory. Mainly introduces the basic concepts of interest rate pricing and interest rate pricing model. The third chapter is the analysis of the status quo of Pingluo rural commercial bank loan pricing model, which includes Pingluo rural commercial bank loan status analysis, loan interest rate pricing level status, loan pricing model status and existing problems. The fourth chapter is the empirical analysis of the factors affecting rural commercial bank lending rates in pingluo. Firstly, it introduces the basic theory of empirical analysis; secondly, the data selection and processing; the third is the analysis of the existing loan pricing model; finally, there are some problems existing in the model. The fourth chapter is the empirical analysis, including the introduction of the theoretical basis of empirical data, the selection of data variables, the principal component analysis and regression analysis. The fifth chapter is the relevant countermeasures and suggestions. According to the results of empirical analysis, this paper puts forward the countermeasures and suggestions on the condition of interest rate liberalization in terms of loan model selection, management system construction and so on.