聊城农村信用社贷款定价模式研究

【作者】 张磊；

【导师】 胡秋灵；

【作者基本信息】 陕西师范大学 ， 工商管理（专业学位）， 2013， 硕士

【摘要】 随着我国金融体制改革的逐步深入,利率市场化改革也进入全面加速时期,利率管制日益松动,金融机构的自主定价权逐步提高,利率市场化对农村信用社的经营发展必将带来巨大影响。同时,越来越多的国内外金融机构进驻农村金融市场,农村信用社将面临越来越激烈的市场竞争。近年来,农村信用社积极探索适应自身实际的贷款利率定价模式,但受制于内部经营体制、外部市场环境的约束,农村信用社贷款定价模式粗放,建立科学的贷款定价模式已成为农村信用社发展亟待解决的重要课题。本论文的主要研究目的是在系统分析比较国外与国内贷款定价模式的基础上,结合山东省聊城农村信用社实例,分析当前聊城农村信用社贷款定价存在的主要问题,探究其根源,为改进聊城农村信用社贷款定价模式进行理论探索。论文结合聊城农村信用社贷款定价实际情况,根据市场客户细分理论设计出聊城农村信用社贷款定价的模式选择。研究所得出的主要结论如下：(1)利率市场化冲击聊城农村信用社贷款定价模式。面对利率市场化趋势和农村金融市场日趋激烈的竞争格局,聊城农村信用社必须转变当前粗放的贷款定价模式,建立科学、高效的贷款定价模式,以更好地控制风险、提高收益,巩固和扩大市场占有率。(2)聊城农村信用社应从自身实际出发设计贷款定价模式。作为聊城农村金融市场的主力军,聊城农村信用社承担着支农惠农任务,员工总体素质不高、法人治理不完善、客户群体风险承受力弱、全市8家法人机构不同的经营发展趋势等,决定了在贷款定价模式选择中,不能照搬商业银行及其他农村信用社的模式,应结合自身实际设计(3)基于客户细分的贷款定价模式更适合聊城农村信用社业务实际。聊城农村信用社客户群体多样,市场竞争激烈,基于客户细分的贷款定价模式,有利于聊城农村信用社集中资源,有针对地进行营销,以最小资源成本获得最大市场占有率；同时,客户细分贷款定价模式良好的针对性也有利于提高信贷资产的安全性、流动性与收益性。论文的特色及创新之处在于(1)聊城农村信用社贷款定价模式的理论探索。当前,国内对贷款定价问题的理论贡献较少,且主要集中于对国内银行业金融机构贷款定价存在问题的分析及对策的提出上,对如何构建符合农村金融机构实际,特别是结合地方特色的定价模式论述较少。本论文结合聊城农村信用社实例对定价模式进行设计,具有(?)定的开拓性。(2)提出了基于客户细分的聊城农村信用社贷款定价模式。本论文在比较国外与国内的贷款定价模式的基础上,基于聊城农村信用社实际,提出了基于客户细分的贷款定价模式选择,对当前聊城农村信用社完善贷款定价机制,提高经营管理水平,扩大市场占有率等有积极影响,对其他农村信用社贷款定价模式的选择也有参考价值。更多还原

【Abstract】 As China’s financial system reform, interest rate marketization reform has entered the accelerating period, interest rate control is loose, independent pricing financial institutions gradually improve, the interest rate marketization of rural credit cooperative business development will bring the huge influence. At the same time, the domestic and foreign financial institutions more and more in the rural financial market, rural credit cooperatives will face more and more fierce market competition. In recent years, according to the relevant provisions of the loan interest rate policy requirements, rural credit cooperatives throughout combined with their own situation, actively explored the right loan interest rate pricing mechanism. But due to the restriction of system, mechanism, talent, technology, etc, the subjective and the arbitrariness of the loan pricing of rural credit cooperatives is still visible. To establish a scientific loan pricing mode has become an important issue to be solved in the development of rural credit cooperatives.The main research objective of this thesis is to analyze and compare the loan pricing mode at home and abroad systematically, study the rural credit cooperatives in Shandong Province as an example, analyze the primary problem of loan pricing of the rural credit cooperatives in Liaocheng at the time, explore the basic reason, and develop a theoretical research in order to improve the loan pricing mode of the rural credit cooperatives in Liaocheng. In base of the detailed analysis which is about the loan pricing situation and problem of the rural credit cooperatives in Liaocheng, and the theoretical foundation of customer segmentation, this thesis raises options of the loan pricing mode of the rural credit cooperatives in Liaocheng. The key findings according to the research is as follows:(1)The marketization of interest rate challenges the loan pricing mode of the rural credit cooperatives in Liaocheng. With the fast pace of the marketization of the interest rate and the fierce competition of rural financial market, the rural credit cooperatives in Liaocheng must change the current extensive loan pricing mode into a scientific and efficient one to control risks, increase revenues, consolidate and expand its market share.(2)The rural credit cooperatives in Liaocheng should take its actual situation into account when choosing the loan pricing mode. As the main force of the rural financial market, the rural credit cooperatives in Liaocheng undertakes the mission of supporting the countryside, but the fact that the overall quality of its staff is not high enough, that the corporate of governance is not perfect, that the risk tolerance of its customers is not strong, that the eight Legal institutions have different trends of development and management decides that it must combine its actual instead of imitating commercial banks and other financial institutions.(3)The loan pricing mode with the theoretical foundition of customer segmentation is more available for the rural credit cooperatives in Liaocheng to develop. Owing to the diversification of customer groups and the fierce competition of the finantial market, the loan pricing mode in base of customer segmentation is better for the rural credit cooperatives in Liaocheng to centralize its resources, promote accordingly, obtain the most market share with the least resource costs. At the same time, the well-directed loan pricing mode based on customer segmentation can also do favor to improve the security、liquidity and profitability of the credit assets.The feature and innovation point of this thesis is as follows:(1)It explores the loan pricing mode of the rural credit cooperatives in Liaocheng. At the time, the domestic theoretical contribution is relatively rare, and most of them are about the analysis and measures to the problem of the loan pricing of the financial institutions in China, only a small number of them are about how to set up modes that comfort to the practice of rural financial institutions, especially to the local color. This thesis studies the loan pricing mode taking the rural credit cooperatives in Liaocheng, which is pioneering currently.(2)It raises the mode that is based on the theory of customer segmentation. In base of comparing the loan pricing mode at home and abroad, considering the fact of the rural credit cooperatives in Liaocheng, the thesis raises the options of the loan pricing mode with the theory foundition of customer segmentation, which has important influence for the rural credit cooperatives in Liaocheng to improve its loan pricing mechanisms, lift the level of management and expand its market share, and has reference value for other rural credit cooperatives.更多还原