Study On Loan Pricing Model Of Rural Credit Cooperative

As the main financial institution of Chinese rural area, the rural credit cooperatives have more branches, wider distribution and the characteristic of providing financial service for agriculture, rural areas and farmers. It provides convenient and sufficient financial support for agriculture, farmer’s production and daily life, as well as the construction of new socialist countryside. In2013July, the people’s Bank of China issued the announcement that "The decision of further promote the reform of market-oriented interest rate ",which lift the control of loans’ interest rate of rural credit institutions, according to the business principles to determine the customer’s loan interest rate by themselves. Therefore, as the main source of the rural credit cooperatives’income, the interest will be seriously impacted. In addition, as the urban commercial banks and share-holding banks entering the rural market, competition is more and more fierce, which require the rural credit cooperatives to improve all-round management ability and service consciousness. How to price loans scientific and reasonably to cover the cost and risk, gain income has become the biggest problem facing by rural credit cooperativesThis dissertation outlines the theory and methods of commercial banks’loan pricing, analyzes the current situation and problems of the rural credit cooperatives, combined with China’s rural credit cooperatives management present situation, based on traditional loan pricing model, improves the pricing of loans in rural credit cooperatives mode, and uses the data of a rural credit cooperative in Inner Mongolia area as an example, calculates and analyses the loans interest rate, which is more scientific and feasible. Finally, from the aspects of capital cost, operating cost, risk, project adjustment loans etc, suggestions on how to improve the supporting system of rural credit cooperatives loan pricing model are given to the rural credit cooperatives...