Research On Loan Pricing Of LC Rural Credit Cooperatives Under Interest Rate Marketization

The most important financial institutions in rural area is rural credit cooperatives, its development is put one’s heart and soul into the purpose of "three rural" service, namely to support agricultural and rural economic development, increasing the income of peasants as the core. For a long time, the agricultural letter society’s main business has been the credit business, however, with the development of market-oriented interest rate reform, rural financial institutions in China also gradually gained access to freedom, this not only increased the banking industry’s competition, also contributed to the development of shadow banks, so that now the rural financial institutions increasingly fierce competition. Therefore, rural credit cooperatives should change the past,"a floating to the top" pricing model, formulate a reasonable loan interest, pay attention to differential pricing, credit guarantee quality, to guard against credit risk, effectively expand market share, which is of great significance to enhance the market competitiveness of rural credit cooperatives.This article is mainly for the pricing of China’s Rural Credit Cooperatives Loan current situation, research on loan pricing of interest rate for LC of rural credit cooperatives, combined with domestic and foreign loan pricing model, put forward reasonable suggestion and scheme for the mechanism of the loan pricing of our city LC in Shandong province. The full text is divided into six parts, the realistic background and significance of the first part mainly introduces the main contents, and innovation, the method, place. The second part mainly introduces four main theoretical basis of loan pricing, namely, interest rate determination theory, credit rationing theory, the theory of capital asset pricing model and the arbitrage pricing model of multi factor theory. The third part process to review the rural credit cooperatives loan interest rate reform, to study under the current pricing policy, then discuss influence of interest rate on the loan pricing in china. The fourth part combined with the development situation of LC City, further analysis of the loan pricing in LC City, rural credit cooperatives and its causes. The fifth part describes the basic principles of rural credit cooperatives for LC loan pricing under the condition of interest rate marketization, according to the principle of the LC, market segmentation to make pricing model suitable for the development of rural credit cooperatives in LC city. The sixth part according to the previous question, generally with LC, the status of rural credit agency, put forward to improve the mode of pricing loans in rural credit cooperatives of our proposal.