本文選題：農(nóng)村信用社 + 貸款定價(jià)　； 參考：《陜西師范大學(xué)》2013年碩士論文

【摘要】：隨著我國(guó)金融體制改革的逐步深入,利率市場(chǎng)化改革也進(jìn)入全面加速時(shí)期,利率管制日益松動(dòng),金融機(jī)構(gòu)的自主定價(jià)權(quán)逐步提高,利率市場(chǎng)化對(duì)農(nóng)村信用社的經(jīng)營(yíng)發(fā)展必將帶來(lái)巨大影響。同時(shí),越來(lái)越多的國(guó)內(nèi)外金融機(jī)構(gòu)進(jìn)駐農(nóng)村金融市場(chǎng),農(nóng)村信用社將面臨越來(lái)越激烈的市場(chǎng)競(jìng)爭(zhēng)。近年來(lái),農(nóng)村信用社積極探索適應(yīng)自身實(shí)際的貸款利率定價(jià)模式,但受制于內(nèi)部經(jīng)營(yíng)體制、外部市場(chǎng)環(huán)境的約束,農(nóng)村信用社貸款定價(jià)模式粗放,建立科學(xué)的貸款定價(jià)模式已成為農(nóng)村信用社發(fā)展亟待解決的重要課題。 本論文的主要研究目的是在系統(tǒng)分析比較國(guó)外與國(guó)內(nèi)貸款定價(jià)模式的基礎(chǔ)上,結(jié)合山東省聊城農(nóng)村信用社實(shí)例,分析當(dāng)前聊城農(nóng)村信用社貸款定價(jià)存在的主要問(wèn)題,探究其根源,為改進(jìn)聊城農(nóng)村信用社貸款定價(jià)模式進(jìn)行理論探索。論文結(jié)合聊城農(nóng)村信用社貸款定價(jià)實(shí)際情況,根據(jù)市場(chǎng)客戶細(xì)分理論設(shè)計(jì)出聊城農(nóng)村信用社貸款定價(jià)的模式選擇。研究所得出的主要結(jié)論如下： (1)利率市場(chǎng)化沖擊聊城農(nóng)村信用社貸款定價(jià)模式。面對(duì)利率市場(chǎng)化趨勢(shì)和農(nóng)村金融市場(chǎng)日趨激烈的競(jìng)爭(zhēng)格局,聊城農(nóng)村信用社必須轉(zhuǎn)變當(dāng)前粗放的貸款定價(jià)模式,建立科學(xué)、高效的貸款定價(jià)模式,以更好地控制風(fēng)險(xiǎn)、提高收益,鞏固和擴(kuò)大市場(chǎng)占有率。 (2)聊城農(nóng)村信用社應(yīng)從自身實(shí)際出發(fā)設(shè)計(jì)貸款定價(jià)模式。作為聊城農(nóng)村金融市場(chǎng)的主力軍,聊城農(nóng)村信用社承擔(dān)著支農(nóng)惠農(nóng)任務(wù),員工總體素質(zhì)不高、法人治理不完善、客戶群體風(fēng)險(xiǎn)承受力弱、全市8家法人機(jī)構(gòu)不同的經(jīng)營(yíng)發(fā)展趨勢(shì)等,決定了在貸款定價(jià)模式選擇中,不能照搬商業(yè)銀行及其他農(nóng)村信用社的模式,應(yīng)結(jié)合自身實(shí)際設(shè)計(jì) (3)基于客戶細(xì)分的貸款定價(jià)模式更適合聊城農(nóng)村信用社業(yè)務(wù)實(shí)際。聊城農(nóng)村信用社客戶群體多樣,市場(chǎng)競(jìng)爭(zhēng)激烈,基于客戶細(xì)分的貸款定價(jià)模式,有利于聊城農(nóng)村信用社集中資源,有針對(duì)地進(jìn)行營(yíng)銷,以最小資源成本獲得最大市場(chǎng)占有率；同時(shí),客戶細(xì)分貸款定價(jià)模式良好的針對(duì)性也有利于提高信貸資產(chǎn)的安全性、流動(dòng)性與收益性。 論文的特色及創(chuàng)新之處在于 (1)聊城農(nóng)村信用社貸款定價(jià)模式的理論探索。當(dāng)前,國(guó)內(nèi)對(duì)貸款定價(jià)問(wèn)題的理論貢獻(xiàn)較少,且主要集中于對(duì)國(guó)內(nèi)銀行業(yè)金融機(jī)構(gòu)貸款定價(jià)存在問(wèn)題的分析及對(duì)策的提出上,對(duì)如何構(gòu)建符合農(nóng)村金融機(jī)構(gòu)實(shí)際,特別是結(jié)合地方特色的定價(jià)模式論述較少。本論文結(jié)合聊城農(nóng)村信用社實(shí)例對(duì)定價(jià)模式進(jìn)行設(shè)計(jì),具有(?)定的開(kāi)拓性。 (2)提出了基于客戶細(xì)分的聊城農(nóng)村信用社貸款定價(jià)模式。本論文在比較國(guó)外與國(guó)內(nèi)的貸款定價(jià)模式的基礎(chǔ)上,基于聊城農(nóng)村信用社實(shí)際,提出了基于客戶細(xì)分的貸款定價(jià)模式選擇,對(duì)當(dāng)前聊城農(nóng)村信用社完善貸款定價(jià)機(jī)制,提高經(jīng)營(yíng)管理水平,擴(kuò)大市場(chǎng)占有率等有積極影響,對(duì)其他農(nóng)村信用社貸款定價(jià)模式的選擇也有參考價(jià)值。
[Abstract]:With the gradual deepening of the reform of the financial system in China, the reform of interest rate marketization has also entered a period of comprehensive acceleration, the control of interest rate has become increasingly loose, the independent pricing power of financial institutions has been gradually improved, and the marketization of interest rates will bring great influence on the operation and development of rural credit cooperatives. At the same time, more and more domestic and foreign financial institutions are in rural finance. In the market, the rural credit cooperatives will face more and more fierce market competition. In recent years, the rural credit cooperatives actively explore the loan interest rate pricing model adapting to their own reality, but are restricted by the internal management system, the external market environment, the rural credit cooperatives' loan pricing model is extensive, and the establishment of a scientific loan pricing model has become the rural credit. The development of society is an important issue to be solved.
The main purpose of this paper is to analyze and compare the foreign and domestic loan pricing models systematically, and combine with the rural credit cooperatives in Liaocheng, Shandong Province, to analyze the main problems existing in the current loan pricing of Liaocheng rural credit cooperatives, explore its root, and explore the theoretical exploration for improving the loan pricing model of the rural credit cooperatives in Liaocheng. According to the actual situation of the loan pricing in Liaocheng rural credit cooperatives, the model selection of the loan pricing of Liaocheng rural credit cooperatives is designed according to the market customer segmentation theory. The main conclusions are as follows:
(1) the interest rate marketization impact the Liaocheng rural credit cooperative loan pricing model. Facing the trend of interest rate marketization and the increasingly fierce competition pattern in the rural financial market, the rural credit cooperatives in Liaocheng must change the current rough loan pricing model, establish scientific and efficient loan pricing model, in order to better control the risk, improve the income, consolidate and expand. Large market share.
(2) the Liaocheng rural credit cooperatives should design the loan pricing model from its own reality. As the main force of the rural financial market in Liaocheng, the rural credit cooperatives in Liaocheng bear the task of supporting agriculture and benefiting agriculture, the overall quality of the staff is not high, the legal person governance is not perfect, the risk of the customer is weak, and the 8 different business development trends of the city are different. Fixed in the choice of loan pricing mode, we should not copy the mode of commercial banks and other rural credit cooperatives, and should combine their own actual design.
(3) the loan pricing model based on customer segmentation is more suitable for the practice of Liaocheng rural credit cooperatives. There are various customer groups in Liaocheng rural credit cooperatives, the market competition is fierce, and the loan pricing model based on customer segmentation is beneficial to the centralized resources of Liaocheng rural credit cooperatives, the marketing of the credit cooperatives and the maximum market possession at the minimum resource cost. At the same time, the good targeting of the customer segmentation loan pricing model is also conducive to improving the security, liquidity and profitability of credit assets.
The characteristics and innovation of the thesis lie in
(1) the theoretical exploration of the loan pricing model of Liaocheng rural credit cooperatives. At present, the theoretical contribution of domestic to the problem of loan pricing is less, and it mainly focuses on the analysis and Countermeasures of the existing problems of loan pricing in domestic banking financial institutions, and how to set up the pricing of the rural financial institutions, especially the local characteristics. There are few models. This paper combines the example of the rural credit cooperatives in Liaocheng to design the pricing model.
(2) the loan pricing model of Liaocheng Rural Credit Cooperatives Based on customer segmentation is put forward. Based on the comparison of foreign and domestic loan pricing models, based on the reality of rural credit cooperatives in Liaocheng, this paper puts forward the choice of loan pricing model based on customer segmentation, and improves the loan pricing mechanism for the current rural credit cooperatives in Liaocheng and improves the management management. The level of management and the expansion of market share have a positive impact on other rural credit cooperatives.

【學(xué)位授予單位】：陜西師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.35

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