Dissertation > Excellent graduate degree dissertation topics show

Studies on the Interest Pricing of Rural Small and Medium-sized Financial Institutions

Author: ZhaoZuoSheng
Tutor: DingYanQiang
School: Shandong University
Course: Industrial Engineering
Keywords: Rural Small and medium financial institutions Interest rate pricing Affecting factors
CLC: F832.4
Type: Master's thesis
Year: 2013
Downloads: 125
Quote: 0
Read: Download Dissertation


Rural small and medium financial institutions are important components of our financial system and play an important role in our social development. Especially in rural economy, they are the main forces in supporting the rural SMEs, the "three rural" development, solving the problem of agricultural modernization, promoting rural financial sector development, and they play a crucial role in solving the financing difficulties of farmers and improving rural financial services and so on. However, The reality is that, because the lack of a comprehensive interest rate pricing system, many problems are existing widespread, such as the high interest rate, the single pricing mechanism and so on. These problems restrict the healthy development of the rural SEMs and plague the majority of practitioners in rural SEMs. So, how to form a scientific and rational lending rate pricing mechanism, effectively reducing the rural SEMs’loan interest rates, has become a hot topic between the rural financial theorists and practitioners.In this paper, we take the Shandong X RCCs for our example, to explore the main factors of lending rating pricing in China’s rural small and medium financial institutions, and find a viable method to improve the loan interest rate pricing mechanism. Therefore, this article is divided into six sections to study this problem:Chapter Ⅰ is the introduction. It describes the topic, background, significance of this paper, reviews the relevant literature and research, and then briefly describes the structure of this article. Chapter Ⅱ is the theoretical basis. This part introduces the basic theory of interest rate and introduces three basic models:cost-plus model, the bench mark rate plus point model and the customer profitability analysis model. Chapter Ⅲ is qualitative analysis. Firstly, this part introduces the concept and the characteristics of rural small and medium financial institutions. On this basis, this part analyses the factors affecting rural small and medium financial institutions lending rate pricing. Chapter Ⅸ is empirical analysis. From the macro, this part reviews the development process and status of the rural small and medium financial institutions. While from the micro, introduces our case, Shandong X RCCs, selects the relevant data of Shandong X RCCs and constructs the basic interest rate pricing model, finding the main factors that affecting the lending rate. Chapter V puts forward the proposals for the lending rate remained at a reasonable level.

Related Dissertations

  1. The Factors That Have Impact on the Performance of M & A in the Perspective of Absorptive Capacity,F224
  2. Study on Characteristics of Submarine Topography and Geomorphology in Minjiang Estuary,P737.2
  3. Study on the Prevalence and Risk Factors Relative to Pneumoconisis Combined with Ptb in Hebei Iron and Steel Group,R135.2
  4. China stock investment performance of open-end fund An Empirical Study,F224
  5. Taxol and 10-DAB Contents of Taxus Chinensis Var. Mairei, and Related Affecting Factors in Fujian Province,S791.49
  6. Study on Part-time Practice of Medical Practitioners (PPMP) and Its Related Factors in Public Hospitals in China,R197.3
  7. Elementary Research on the Job Satisfaction of Counselors in University of Guizhou Province,G641
  8. Research on the Reduction of N-Nitrosodimethylamine (NDMA) in Water by Zero-Valent Zinc,X703
  9. Study on Interest Rate Pricing Issues of Micro-credit,F832.4
  10. Study of Factors Affecting Brand Loyalty of Fujian Oolong Tea,F426.82
  11. The Research on Health Services Demand and Utilization Among Aged Population in Main Urban Area of Chongqing,R197.1
  12. Research on the Affecting Factors of Dalian Real Estates’ Price,F293.3
  13. Research on the China Software and Service Outsourcing Industry’s International Competitiveness,F224
  14. Study on the Transformation and Upgrading of Processing Trade in Shandong,F752.68
  15. Pilot Study on the Employee’s Job Engagement Present Situation Investigation and Affecting Factors,F272
  16. Spatial Heterogeneity of Paddy Soil Organic Carbon and Their Affecting Factors in Taihu Lake Region,S158
  17. Emission of Greenhouse Gas from Natural Broadleaved Forested Swamps and Its Response to Anthropogenic Disturbance in XiaoXing’ an Mountains of China,S718.5
  18. Study on Convertible Bonds Valuation under Stochastic Term Structure of Interest Rate,F830.91
  19. Appliance enterprises Factors Influencing Employee Engagement,F426.6
  20. A Qualitative Analysis of Influential Factors on Internet Use among Vocational College Students,B844.2
  21. Study of CIBR-Constructed Wetland for Wastewater Reuse,X703

CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit
© 2012 www.DissertationTopic.Net  Mobile