Research On Loan Pricing Method Of Rural Commercial Bank

No.1 Central Document with the theme of "Three Rural Issues" has been released consecutively for 16 years,indicating that the key to building a well-off society in an all-round way depends on the development of "agriculture,rural areas and rural residents",which can never be separated from the support of finance.As a main force servicing "agriculture,rural areas and rural residents",rural commercial bank has already played an indispensable role in rural revitalization strategy.Under the trend of interest rate marketization advancement and perfervid intra-bank competition,for the purpose of long-term and stable development,rural commercial banks must implement refined management in closely accordance with development requirements,and establish a set of scientific,reasonable and applicable loan pricing methods to guarantee powerful market competitiveness.As the "little champion" among financial institutions in X County,X County Rural Commercial Bank undertakes the social responsibility of serving "agriculture,rural areas and rural residents,and assists small and micro businesses,innovates loan pricing methods,reduces loan interest rates in face of fierce market competition,and obtains great benefits in the short term.income.With personal loan pricing method of X County Rural Commercial Bank as the object of study,based on domestic and overseas theories and practice,this paper analyzes the problems existing in current loan pricing method of X County Rural Commercial Bank from multiple perspectives.After comparative analysis of current pricing loan methods in domestic banks,namely,benchmark interest rate-plus point,cost-plus pricing,customer profitability analysis pricing,RAROC loan pricing,the paper confirms that RAROC loan pricing method is more conducive to the development of X County Rural Commercial Bank.And then,based on RAROC loan pricing model,this paper carries out empirical analysis according to the existing measuring conditions of X County Rural Commercial Bank.In the end,comparison between the results of RAROC loan interest rate and the current loan interest rate indicates that RAROC loan interest rate is more applicable to the explanation by regression equation,and is more competitive.At the same time,this paper proposes corresponding countermeasures for the promotion of future RAROC loan pricing methods.The RAROC loan pricing measurement method adopted in this paper is also of referential value for rural commercial banks or local small banks in other areas.