A Loan Pricing Study Of Rural Mutual Cooperative In Jingtai’s Yellow River Stone Forest Of Gusu Province

The rural mutual cooperative in rural areas is another new financial Innovation and attempt, also it is a new mode of financing and financing platform for the attempt in recent years. Sources of funding and operation mode are both different from the previous of rural poverty alleviation. Therefore, there is little of experience for loan pricing of the rural mutual cooperative. The rural mutual cooperative has its self-financing system requirements, so it must obtain the maximum profit to ensure its smooth operation. However because of restrictions of rural funds financial, geographical, the mode of operation is primitive, the rural mutual cooperatives only have single business, the profit source are from the deposit and lending rates. With the credit and interest rate reform in China is increasingly clear, the state gave the rural mutual cooperative loan pricing a relatively larger floating right, it is also to say the rural mutual cooperatives find more powers, it can reasonably develop the loan interest rate in accordance with the laws of the market. At this stage, the loaning pricing about the rural mutual cooperative falls behind backwardly. So it is necessary to make loaning pricing about the rural mutual cooperatives more Reasonable and scientific. In this regard, the paper firstly describes the basic theory of the loan pricing, based on fieldwork of Yellow River Stone Forest where the rural mutual cooperative in, it analyzes economic situations, financial market conditions, as well as the rural mutual cooperative’s current pricing in the hinterland of the rural mutual cooperative. By research of the basic method of loan pricing, affect loan pricing factors under the Credit contract model, we conclude that the rural mutual cooperative’s loan pricing should adopt the cost-plus method. The core of the article is the calculating part, we calculate the risk premium factor of cost plus method, the rural mutual cooperative’s unit loan costs, the rural mutual cooperative’s profits and operations tax rates. In the central part we use the analytic hierarchy process, logical analysis and other methods, and develop simple and practical loan pricing formula of the rural mutual cooperative. Finally, we find some problems through the study, according to the shortcomings in the rural mutual cooperative, we give some comments and suggestions about the rural mutual cooperative’s operation.