Research On The Pricing Of Agriculture-related Loans Of A Rural Commercial Bank

For a long time,the non-standard,non-opaque and incomplete financial statements of the agricultural enterprises in Anshun have been prominent,and the peasant households have changed with the rural mobile population,the farmers' credit from the traditional relatives and the geo trust to the market credit.These factors lead to the credit between the main body of agricultural loans and the agricultural and commercial banks.The problem of interest asymmetry is outstanding.The phenomenon of information asymmetry increases the cost of credit management of agricultural commercial banks,which leads to the difficult to solve the phenomenon of "financing difficult and expensive" for agricultural loans.The hematopoietic function of finance to rural economy has not been fully developed,which hinders the development of rural economy.At present,the loan interest rate pricing methods of rural commercial banks in Anshun are relatively simple.Most of them float on the basis of the benchmark interest rate issued by the central bank.It has great influence on science,rationality and competitiveness.Therefore,establishing a loan pricing method suitable for the development stage of agricultural business banks and meeting the needs of agricultural customers has become a worthy research topic.By analyzing and comparing four popular loan pricing methods,this paper thinks that the RAROC model is suitable for the A agricultural commercial bank,and carries out the interest rate formula deduction and model factor measurement research.At the same time,it focuses on the empirical study on the probability of breach of contract,and constructs the index system of the probability of default by using the Logistic model.Through the empirical analysis,the results of the application of RAROC model pricing and the original pricing method of A agricultural commercial bank are compared.It is proved that the RAROC pricing model and the default probability measurement method proposed in this paper are applicable to the effectiveness of the A agro business.In a word,the study of this paper is scientific and applicable,which provides a reference and method for the A agricultural commercial bank to formulate the agricultural loan price objectively and reduce the subjective interference.