Application Of Customer Profitability Analysis Model Of Agricultural Development Bank Of Fuxin

The twentieth century, China Agricultural Development Bank began to appear in people's vision, as the country's economic macro-control tool in the service "three rural" on the strategic level for the planning and construction of new countryside guidance, and the Agricultural Development Bank in the financial sector compliance with sustainable development multilayered significance. As the main force to support a new socialist countryside and self-financing of financial institutions, how to do policy banks to carry out commercial activities in order to adapt the brutal competition in the financial markets, it is bound to strengthen the construction loan pricing mechanism to make it more scientific rigor.Agricultural Development Bank started late, smaller scale, the mechanisms and business development is not yet mature, but you can learn a timely manner at the forefront of ideas and scientific system approach, this article describes the internal funds transfer method and the risk premium theories to suit customer profitability analysis of loan pricing model in Fuxin introduction of the Agricultural Development Bank, this introduction is not blind, through a detailed analysis of the Agricultural Development Bank Loan Pricing existing mechanisms and the problems exposed, and relatively advanced pricing model based on the results of.Through customer profitability analysis model confirms, the main factor is to obtain the desired target profit, it is necessary to consider the financial institutions to provide loans to customers and related business income should be, but also the cost. Standing in the interests of banks and their customers on a win-win position, the bank should not only consider their own personal interests but also marketing good customers to provide their own sustainable development, and therefore loans to customers and provide related services acquired in the middle of operating expenses, interest income, settlement income to be measured accurately. While providing customers with loans incurred costs such as borrowing from the central bank's cost of funds, local liquidity costs, the cost of credit risk for disbursing funds that risk premium and so on. While the banks most fundamental thing is to consider the established target profit. Therefore, revenue, cost, target profit is a major factor in determining loan pricing, the other is to provide customers a fee charged by service revenues.In summary, this paper completely to the market to adjust interest rates in the case, the application of customer profitability analysis based loan pricing model to adapt to an increasingly competitive financial markets. Through the calculation of the sample data, providing customers with credit funds and their corresponding revenue generated funds, operations, risk premiums and other costs, and ultimately make banks profitable and achieved the goal to form a reasonable profit loan pricing program, which solutions enable customers to more closely associated with the bank, highlighting a customer-centric philosophy loan pricing, enabling customers to achieve win-win situation with the banks. This is our current loan pricing in theory has a certain significance.