The Research On The Pricing Of Housing Accumulation Fund Loan Warrandice Of Changsha

In the form of modern diversified economy,a diversified financial market system is urgently needed.In this context,the type of finance came into being.The private capital of China's financial companies plays an important role in stimulating the transformation and upgrading of the service industry.At present,the supervisory responsibility of the financial companies is mainly the responsibility of the local financial supervision department.There are great uncertainties in its market access and supervision policies.The risk control mechanism is in short supply,and it is urgent to improve.Under this circumstance,this article mainly discusses the price regulation of provident fund loan guarantee companies in financial supervision.Judging from the arrangement and actual operation of the real-estate provident fund system,the provident fund loan guarantee system is indispensable,but the supervision system of the relevant provident fund loan guarantee is not in place,and price supervision is basically in a state of lack.However,a provident fund loan guarantee company is a market profit organization.If the guarantee price is too high,it will lead to adverse selection problems,the guarantee price will be too low,and the guarantee institution will not be able to operate normally.Therefore,reasonable pricing is crucial for the guarantee institution.First of all,this article investigates the existing loan guarantee model.Based on the characteristics of the market organization of the provident fund loan guarantee institution,it is concluded that the full guarantee model is more in line with the trend of provident fund loan guarantees.Secondly,in the analysis of the role of provident fund loan guarantee institutions in the provident fund loan process under the whole-process guarantee model,this article qualitatively analyzes the influencing factors that affect the pricing of provident fund loan guarantees,and concludes that the guarantee fee rate should cover the risk cost,operating cost and capital cost.The five parts of the security tax rate and profit conclusions.Thirdly,based on the influencing factors affecting the pricing of provident fund loan guarantees,we adopt the methods of probability actuated model based on actuarial calculation,CAPM and cost-plus pricing method to construct a corresponding pricing model,and use the existing data in Changsha to construct The model is empirically studied to verify the practicability of the model.Finally,relevant improvements are proposed for the problems encountered in the establishment of a provident fund loan guarantee model.This article has obtained the following research through the above-mentioned research:First of all,in order to ensure the healthy and rapid development of the housing provident fund loan guarantee guarantee business,the first task is to conduct reasonable pricing;secondly,under the full guarantee model,the provident fund loan guarantee pricing rate should cover the risk cost rate,The capital cost rate,operating cost rate,security tax rate and target profit rate are composed of five parts.Through qualitative analysis and quantitative analysis,it can be found that the risk cost is not the major proportion of guarantee pricing,and the capital cost and operating cost are the guarantee pricing.major factor.Third,there are economies of scale in the scale of provident fund loans,so the appropriate differential rates for different scales should be appropriate.