随着利率市场化改革进程的基本收官，农信社将面临更多的压力和挑战。转变经营理念，树立信贷风险管理意识，建立一套符合自身发展特点的贷款定价方法对农信社发展尤为重要。本文在利率管制全面放开的新形势以及农信社逐步改制的背景下，分析利率市场化对农信社的影响，农信社贷款定价现状及存在的问题。在比较各类贷款定价模型的基础上，采用RAROC贷款定价模型，以延安市某信用联社某笔贷款为例进行贷款利率定价并与传统定价方法进行比较，探讨RAROC贷款定价模型的优越性。最后对延安农信社实施RAROC贷款定价方法提出对策建议。%With the achievement of the interest rate marketization reform, the rural credit cooperatives will face more pressure and challenges. Changing management concept, building credit risk management awareness, and establishing a set of loan pricing methods which is accordance with their own development feature is particularly important for their development. Under the background of new situation that interest rate is deregulated absolutely and rural credit cooperatives is restructuring gradually, the paper analyzes the influ-ence of interest rate marketization on rural credit cooperatives, current loan pricing status and existing problems. Based on the compari-son of various types of loan pricing models, employing RAROC loan pricing model, taking a loan of one credit union in Yan'an as an example, the paper compares loan rate pricing and traditional methods, discusses the superiority of RAROC loan pricing model. Final-ly, the paper puts forward countermeasures and suggestions on how rural credit cooperatives implement RAROC loan pricing method.
展开▼
