论文部分内容阅读
作为欠发达地区的农村中小金融机构,制定科学的利率定价方法仅是技术手段,要想最终形成经营效益,还须结合本地实际,培育接地气的利率定价管理文化湖北十堰农商行摒弃“一把尺”“一刀切”的粗放式贷款定价方法,一方面,细分客户,量化指标,实施差异化的贷款定价管理;另一方面,坚守底线,灵活管理,在贷款定价管理文化上下工夫,取得了良好成效。统筹考虑,采取差异化的贷款定价方法经营目标利率。十堰农商行坚持与成本比
As an underdeveloped rural small and medium-sized financial institutions, to develop a scientific interest rate pricing method is only a technical means, in order to eventually form a business benefit, we must also integrate local conditions, to cultivate the interest rate management of the grounding gas Shiyan Rural Commercial Bank to abandon On the one hand, it divides customers and quantifies indicators to implement differentiated loan pricing management. On the other hand, it sticks to the bottom line and manages flexibly in a culture of loan pricing management Work hard and achieved good results. Take overall consideration and adopt a differentiated loan pricing method to manage the target interest rate. Shiyan Rural Commercial Bank insist on cost ratio