Research On The Loan Interest Rate Pricing Of Shandong Rural Credit Cooperatives Based On The Perspective Of Comprehensive Income

As the financial market competition intensifies, business tentacles major commercial banks has been extended to the urban fringe, rural credit cooperatives rely on rural financial services its many years of experience accumulated extensive customer base of commercial banks continue to be eroded. Macroeconomic policies in order to further activate the rural financial market, given the rural banks more flexible policy support, local small and micro finance institutions, the rise of rural banks, rural credit cooperatives for business development constitutes a containment potential. RCCs key source of income is the fundamental deposit and lending spreads its survival and development, loss of this party positions, is tantamount to surrender. So, how to consolidate the existing market share by adjusting the loan interest rate pricing, the rural credit cooperatives become an urgent problem to be solved at this stage.Study abroad combing through bank lending rate pricing, summed up the theory of a new phase focused on rural financial institutions lending rate pricing, summed up the perspective of rural financial institutions in loan pricing and existing basic model. In this paper, rural credit cooperatives in Shandong Province, through research Shandong Province Rural Credit Cooperatives current loan interest rate pric ing model for the benchmark interest rate plus point model. Since this model has overpriced, underpriced, pricing risk of confusion, to a certain extent hindered the healthy development of the Shandong Province Rural Credit Cooperatives.Considering the low awareness of rural credit cooperatives customer groups, group base, data acquisition complicated, if totally dependent on a variety of assessment indicators data, can not be efficient and convenient to handle the actual business, the paper according to t he basic principles of pricing interest rate, based on an integrated pricing perspective to build a simple interest rate pricing model to Delphi legal analysis and quantitative analysis of financial indicators, the model through qualitative analysis of some indicators of an effective solution to obtain data that can not associate the problem, while the qualitative analysis gives experienced loan officers must pricing permissions, loan pricing to customers within a limited range of reasonable adjustments, and quantitative data as a true reflection of customer groups operating conditions, credit conditions and other metrics, can effectively exclude the poor do not meet the price range of customers, also reflects the customer’s creditworthiness and accurate as possible.In this paper, the jurisdiction of Shandong Province Rural Credit Cooperatives customer case study to verify the feasibility and practicability of the promotion of a comprehensive pricing perspective simple interest rate based pricing model used for this stage to further improve the credit union loan rate pricing mechanisms that regulate lending rate pricing model provide a reference.1. The loan interest rate pricing model quantitative and qualitative analysis consisting of two aspects, quantitative analysis relies on direct access to financial indicators analysis, qualitative analysis relies on Delphi Method analysis results;2. The personal credit rating class customers and business class customers constituted by two sets of index system, constitute the two major components of rural credit cooperatives in Shandong Province lending rate pricing based on the perspective of comprehensive income. Rely lending rate pricing model system consisting of two sets of indicators, you can quickly get customer loan interest rate pricing levels.The importance of comprehensive income of Shandong province from the perspective of rural credit cooperatives loan interest rate pricing for deepening the study of the credit union loan interest rate pricing based on the loan interest rate pricing model construction can realize comprehensive, rapid and effective assessment of loan customers implement interest rate level target, stage to optimize the interest rate pricing in Shandong Province Rural Credit Cooperatives loan.