利率市场化背景下县域农村金融机构的贷款定价策略——以农村商业银行为例

为适应利率市场化，农村金融机构需要设计出更加科学的利率定价机制。本文通过现有农村金融机构贷款定价机制与利率市场化内在要求的比较和与国有银行贷款定价策略的对比。分析农村金融机构现有贷款定价体系建设的滞后因素以及在利率市场化背景下影响农村金融机构贷款定价的诸多因子和程度。探索符合县域农村金融机构贷款利率定价机制，逐步提高利率定价在配置资金方面的效率。

Loan Pricing Strategy of County Rural Financial Institutions under the Background of Interest Rate Liberalization - Taking Rural Commercial Banks as an Example

Under the background of interest rate liberalization, rural financial institutions need to design a more scientific interest rate pricing mechanism. Making the requirements of interest rate liberalization as standards, through comparing the current pricing mechanism of rural financial institutions to that of national commercial banks, this paper analyzed the factors dragging the current loan pricing system and concluded the factors and affects caused by the interest rate liberalization. The research aimed to explore a loan interest rate suitable for county rural financial institutions, and improve the efficiency of interest rate pricing in fund allocations.