Research On Loan Pricing Of Rural Credit Cooperative Of Shandong

The results of this study on loan pricing model of rural credit cooperatives inShandong Province, the existing and many scholars as the foundation, through the analysisof loan pricing theory and model of commercial bank, the commercial bank loan pricing inthe general theory is applied to the pricing of loans in Rural Credit Cooperatives LoanPricing, combined with the status and influence of rural credit cooperatives in Shandongprovince the special factors of loan pricing, by introducing the present situation ofShandong Rural Credit Cooperatives Loan Pricing, in view of the current loan pricingissues, on the basis of the original loan pricing model on its improvement, the enterpriseand individual customers focus on customer credit default rates, guarantee, customercontribution degree influence on loan price the formation, pricing model, namely theestablishment of a "based on the benchmark interest rate, considering the risk, security,business comprehensive contribution and the degree of market competition, pricing modelto determine the final loan interest rates", the cost accounting, the market competitiondegree two unification as the target rate of return, as an exogenous variable to control, theclient default rate as the main factors of loan pricing analysis, At the same time the creditgrade, size, industry, security and so on into the default index, regression analysis method isused to determine the relation between the price of loans and default rate, the customerintegrated contribution to adjust, ultimately determine the loan price. Finally, this paperputs forward suggestions on improving the rural credit cooperatives in Shandong provinceloan pricing.