如何在利率市场化条件下科学、合理地评估地方法人金融机构利率定价的能力，引导其增强风险防控能力和盈利能力，具有重要的现实意义。本文分析和归纳了当前欠发达地区地方法人金融机构利率定价的现状，通过选择机制建设、自身条件、风险管理、效益管理、外部条件等涵盖8个方面的10个定性指标和15个定量指标，构建地方法人金融机构利率定价能力评估指标体系，并以果洛藏族自治州为例，运用层次分析法(AHP)计算出影响地方法人金融机构利率定价能力各项指标的权重系数，对地方法人金融机构贷款定价能力进行评分。根据分析和测评结果，提出建立利率定价基础信息系统、提升效益和风险管理水平和营造良好金融生态环境等政策建议。%How to scientifically and reasonably evaluate the interest rate pricing capacity of local corporate financial institutions under the condition of interest rate marketization and guide them to increase the ability of risk prevention and control and profitability are of significance. The paper analyzes and summarizes the current situation of interest rate pricing of local corporate financial institu-tions in less developed areas, by selecting 10 qualitative and 15 quantitative indicators covering 8 aspects including mechanism con-struction, their own conditions, risk management, efficiency management, the external conditions and so on, constructs the evaluation indicators system of interest rate pricing capacity of local corporate financial institutions. Setting Guoluo Tibetan autonomous prefec-ture as an example, using the analytic hierarchy process (AHP), the paper calculates the weight coefficient of indicators influencing the interest rate pricing capacity of local corporate financial institutions, and grades the lending interest rate pricing capacity. According to the analysis and evaluation results, the paper proposed policy recommendations such as establishing interest rate pricing basic informa-tion system, increasing efficiency and risk management level and creating a good financial ecological environment and so on.
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