The Research On The Loan Pricing Of ZhouKou Rural Credit Cooperatives

In the process of promoting the reform for the interest rate marketization, the research on loan pricing is getting more and more attention from the financial institutions. As the main force of China’s rural financial markets, rural credit cooperatives are important in supporting the rural economic development, and there has been much attention on the loan pricing level of rural credit cooperatives. Owing to historical reasons, the current loan pricing mechanism of rural credit cooperatives is so imperfect and more subjective that it seriously affects the ability of the rural credit cooperatives which will face the problems of long-term development to support rural economic development. Therefore, how to build a scientific loan pricing model to develop a reasonable interest rate has implications on increasing competence of rural credit cooperatives in the financial services, optimizing resource allocation, reducing the loan risks of the rural credit cooperatives, enhancing market competitiveness and getting on to a sustainable long-term growth path.This article is divided into five parts. The first part introduces the background and significance of the research and the contents and methods of the loan pricing research of related theories. The second part studies the development situation of Zhoukou rural credit cooperatives, according to which the basic content and the general characteristics of loan pricing of current rural credit cooperatives are introduced. In the third part, the questionnaire is used to research the loan pricing mechanism, the implementation of the loan rate which is contrasted with the rural industry gross profit margins, and the development of rural credit cooperatives affected by latest policy on interest rates. The fourth part summarizes the problems in the implementation on loan pricing of the rural credit cooperatives, such as oversimplification of the approach, high in overall level of loan pricing and imperfect in the pricing mechanism. On the basis of analyzing the loan pricing situation and management of rural credit cooperatives, the last part puts forward some countermeasures and proposals on how to improve the loan pricing level of rural credit cooperatives.