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逐步建立科学的贷款利率定价机制,是当前农村信用社深化改革的一项重要内容。随着利率市场化进程的推进及农村金融市场竞争的加剧,农村信用社“粗放式”的贷款利率定价已难以适应经营发展的需要。中国人民银行保定市中心支行对保定市农村信用社贷款利率定价情况进行了专题调研,通过深入分析贷款利率定价现状,找到了其中存在的问题,提出了相关建议。
The gradual establishment of a scientific loan interest rate pricing mechanism is an important part of the current deepening reform of rural credit cooperatives. With the advancing marketization of interest rates and the aggravating competition in rural financial markets, RCC “extensive ” lending rates pricing has been difficult to adapt to the needs of business development. The People’s Bank of China branch of Baoding City Center conducted a special investigation on the interest rate pricing of rural credit cooperatives in Baoding. By analyzing the current situation of loan interest rate pricing in depth, the problems in the loan interest rates were found and relevant suggestions were put forward.