| 县域地区金融机构贷款利率定价的影响因素 |
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| 引用本文： | 周志宏.县域地区金融机构贷款利率定价的影响因素[J].鞍山科技大学学报,2014(1):67-71. |
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| 作者姓名： | 周志宏 |
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| 作者单位： | 中国人民银行鞍山中心支行; |
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| 摘 要： | 在结合国内外利率定价理论和中国金融市场发展阶段特征分析的基础上,以鞍山市县域地区金融机构为样本,运用实证分析方法分析了影响中国县域地区金融机构贷款利率水平的内部因素.分析表明,县域地区金融机构贷款利率水平差异性较大,贷款生息资产比率、成本收入比率等是最主要的影响因素,且均与县城地区金融机构贷款利率存在线性关系.同时,在基于实例分析的基础上,对支持县域地区金融机构发展的外部政策支持提出了对策.
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| 关 键 词： | 利率定价 县域金融 实证分析 |
Influence factors lending rate pricing of finacial institntions in county area |
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| ZHOU Zhihong.Influence factors lending rate pricing of finacial institntions in county area[J].Journal of Anshan University of Science and Technology,2014(1):67-71. |
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| Authors: | ZHOU Zhihong |
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| Institution: | ZHOU Zhihong (People＇s Bank of China Anshan Central Subbraneh Liaoning, Anshan 114000, China) |
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| Abstract: | By combining the domestic and foreign interest rate pricing theory with China＇s financial market development stages, the financial institutions in Anshan county area are taken as the samples, the internal factors affecting the lenging rate in county financial institutions by using the empirical analysis.The results show that there is a lange difference between the lending rates in county financial institutions, the loans interest-bearing assets ratio and cost-to-income ratio are main factors, and there is a linear relationship between lending rates in county financial institntions.Finally, some external policy suggestions are proposed to support the development of county financial institutions. |
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| Keywords: | interest rate pricing county finance empirical analysis |
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