小额信贷高利率研究  

The Research of High Interest Rate of Microcredit

作　　者：李海艳[1] 周孟亮[1] 

机构地区：[1]湖南农业大学经济学院,长沙410128

出　　处：《四川理工学院学报（社会科学版）》2012年第5期47-51,共5页Journal of Sichuan University of Science & Engineering(Social Sciences Edition)

基　　金：国家社会科学基金项目(12CJY063);湖南省教育厅优秀青年项目(11B059);湖南省软科学项目(2012ZK3145)

摘　　要：小额信贷在我国扶贫系统试点取得一定成绩,但其应采取高利率还是低利率,高利率是否就一定有利于小额信贷机构的可持续发展,国内外学者各有看法。从较为理性的经济学视角,探讨小额信贷高利率的合理性和必要性:分别从交易成本理论,借贷双方的供求关系和市场上普遍存在的信息不对称现象出发,得出小额信贷应实行较高利率才是明智的,高利率有利于机构的发展。为有效处理好小额信贷高利率和服务三农之间的关系,提出从小额信贷机构创新制度、加强法制和优化农村金融环境三个方面入手的对策和建议。Microfinance made some achievements in China's poverty alleviation system pilot, but there is the issue whether it should have a high interest rate or low interest rate. Will the higher interest rate be surely conducive to the sus-tainable development of microfinance? Institutions and domestic and foreign scholars have different opinions. This paper discusses the rationality and necessity of high interest rate from more rational economic perspective. The study is based on the transaction cost theory, the relationship between supply and demand and information asymmetry phenomenon. It con-cludes that taking a higher interest rate is a wise option. Higher interest rate is beneficial to the development of the insti-tution. To effectively handle the relationship of microcredit interest rate and the “three rural”services, it puts forward the related countermeasure from three big aspects of microfinance institutions innovating system, strengthening the legal sys-tem and optimizing rural financial environment.

关 键 词：经济学 小额信贷 利率 三农 

分 类 号：F83[经济管理—金融学]