目前,我国农信社采用的贷款定价方式主要有四类:一是按农户信用等级定价,二是按贷款期限长短定价,三是按贷款风险高低定价,四是按贷款户的产业分类定价。而在现阶段,农信社贷款定价暴露了一些问题。主要包括科学合理性欠缺,难以应对信用风险和道德风险,财务能力约束以及专业人才匮乏等。 At present, there are mainly four types of loan pricing methods used by China Rural Credit Cooperatives: one is pricing by household credit rating; the other is pricing by the length of loan term; the other is pricing by the level of loan risk; the other is pricing by industry classification of loan users. At this stage, RCC loan pricing exposes some problems. Mainly include the lack of scientific rationality, it is difficult to deal with credit risk and moral hazard, financial constraints and lack of professionals.