在利率市场化背景下，贷款定价对小微金融机构具有重要意义，而我国小微金融机构目前贷款利率定价中存在自身定价能力不足、传统定价模式影响、基准利率缺失等问题。本文借鉴国际银行业金融机构贷款定价主要模式，结合我国国情、市场环境、金融发展程度等因素，采用规范分析和对比分析相结合的方法，综合目前三种主要定价模式，提出了小微金融机构新型定价模型，并选取一家具有代表性的区域性金融机构进行验证，得出运用模型确定的利率水平。最后对小微金融机构进行贷款定价提出了加强成本核算、掌握行业利润率与客户资料等建议。%Under the background of interest rate liberalization, lending pricing is of great significance to micro and small financial institutions. While in China, there exist some problems such as insufficiency in the ability to price the interest rate, influenced by the traditional pricing mode and lack of benchmark interest rate and so on when micro and small financial institutions price the lending in-terest rate. Learning from the main lending pricing modes of international banking institutions, combined with the factors such as Chi-na’s conditions, the market environment and the financial development degree etc., adopting the methods of the normative analysis and comparative analysis, integrating the current three kinds of pricing modes, the paper puts forward the new pricing model for micro and small financial institutions, and selects a representative regional financial institution to verify the pricing model and by using the model determines the interest rate level. Finally, the paper puts forward some suggestions that micro and small financial institutions should strengthen the cost accounting and know about the business profitability and customers’data.
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