China's Rural Credit Cooperatives Microcredit Pricing Model

With market-oriented interest rate reform,rural credit cooperatives have a lot of autonomy in pricing loans.However,the current rural credit cooperatives has not yet formed a complete micro-credit pricing methods to determine prices of loans with a certain subjectivity.This regard heavier burden on the peasant,the loss of a number of quality customers;on the other hand not conducive to the sustainable development of rural credit cooperatives.Therefore,Establish a scientific and reasonable prices is the micro-credit market interest rates under the conditions of the development of microcredit in urgent need to solve the problems.In this paper,the basic principle of loan pricing,the basic model on the basis of an analysis of China's rural credit cooperatives microcredit option pricing model,developed in line with China's rural credit cooperatives microcredit pricing model.The content and structure of this paper is divided into five chapters.Chapter 1 Introduction outlining topics background,purpose and significance,and put forward the idea of this paper may innovation,and established the framework of this study. Chapter Two of the Chinese and foreign academics micro-credit loans on the bank statements and comments literature on the academic study of the status quo,and the research presented in this paper theoretical basis.ChapterⅢof research methods and design,respectively,that this study samples and data sources,as well as research and writing papers technical lines.ChapterⅣof China's rural credit cooperatives and micro-credit analysis option pricing model.This is the core of the thesis.The description of China's rural credit cooperatives in microcredit operations,the determination of reasonable interest rates and pricing of the problems that exist. Papers believes that the establishment suitable for China's rural credit assessment system,is the rural credit cooperatives microcredit pricing basis.Papers After the study,applicable to the formation of China's rural peasant credit assessment model and the model example of the analysis.According to peasant credit,for example,that the cost-plus method of Microcredit suitable.ChapterⅤconclusions and recommendations.The innovation lies in this paper,the study found that microcredit using cost-plus pricing method is more suitable.At the same time,in the empirical analysis,the authors found that for the establishment of China's rural credit assessment is the basis of microcredit pricing.In this paper,using a scoring method to assess peasant s credit for the establishment of China's rural peasant s credit assessment model.