山东省农村信用社贷款利率定价研究——基于综合收益视角-study on loan interest rate pricing of rural credit cooperatives in shandong province - based on the perspective of comprehensive income.docxVIP

万方数据万方数据Subject Research on the Loan Interest Rate Pricing of Shandong Rural Credit Cooperatives Based on the Perspective of Comprehensive IncomeSpecialty Master of Business AdministrationName Zheng Zhu （Signature） Instructor Yongmei Song （Signature） AbstractAs the financial market competition intensifies, business tentacles major commercial banks has been extended to the urban fringe, rural credit cooperatives rely on rural financial services its many years of experience accumulated extensive customer base of commercial banks continue to be eroded. Macroeconomic policies in order to further activate the rural financial market, given the rural banks more flexible policy support, local small and micro finance institutions, the rise of rural banks, rural credit cooperatives for business development constitutes a containment potential. RCCs key source of income is the fundamental deposit and lending spreads its survival and development, loss of this party positions, is tantamount to surrender. So, how to consolidate the existing market share by adjusting the loan interest rate pricing, the rural credit cooperatives become an urgent problem to be solved at this stage.Study abroad combing through bank lending rate pricing, summed up the theory of a newphase focused on rural financial institutions lending rate pricing, summed up the perspective of rural financial institutions in loan pricing and existing basic model. In this paper, rural credit cooperatives in Shandong Province, through research Shandong Province Rural Credit Cooperatives current loan interest rate pric ing model for the benchmark interest rate plus point model. Since this model has overpriced, underpriced, pricing risk of confusion, to a certain extent hindered the healthy development of the Shandong Province Rural Credit Cooperatives.Considering the low awareness of rural credit cooperatives customer groups, group base,data acquisition complicated, if totally dependent on a variety of assess