关于农发行贷款定价问题的思考——以山东省分行为例

• 作 者: 柳翠茹 刘贞建 张朝霞
• 出 处: 农业发展与金融
• 发表日期: 2010年10期
• 关键词: 农发行贷款 山东省分行 贷款定价 定价问题 商业性贷款 龙头企业贷款 人民银行 利率市场化进程 贷款利率定价 信贷政策

一、贷款定价管理现状自2004年下半年农发行获准开办粮棉油加工企业和产业化龙头企业贷款业务以来,商业性贷款业务领域不断拓展,规模不断壮大。与此同时,随着利率市场化进程的推进,人民银行逐步放开了贷款利率管制,增加了商业银行和政策性银行的利率定价自主定价权限。与此配套,农发

I. Status of Loan Pricing Since the second half of 2004, when ADBC ​​was allowed to start the loan business of grain, cotton and oil processing enterprises and industrialization leading enterprises, the business loan business expanded continuously and its scale continued to grow. At the same time, with the progress of marketization of interest rates, the People’s Bank of China gradually liberalized the interest rate of lending and increased the pricing authority of pricing interest rates of commercial banks and policy banks. With this support, agricultural development