农村民间借贷高利率形成原因及规范对策  

Study on the Reason and Counte Rmeasure of High Interest Rate of Rural Folk Credit

作　　者：张晓艳[1] 

机构地区：[1]西安理工大学,西安710054

出　　处：《经济问题》2010年第8期67-69,80,共4页On Economic Problems

基　　金：陕西省教育厅资助课题"陕西省农村民间借贷规范发展研究"的阶段性成果(09JK164)

摘　　要：与正规金融机构的基准贷款利率相比较,农村民间借贷利率普遍较高。较高的借贷利率为农村经济的可持续发展埋下了隐患。分析了农村民间借贷高利率形成的原因,提出了相应的规范对策,旨在促进农村民间借贷健康运行,为农村经济发展和新农村建设服务。Compared to the rural formal finance,the interest rate of rural folk credit is higher,which has hidden trouble down for sustainable development of the rural economy.This article has analyzed the reason why the interest rate of rural folk credit is higher,and brought forward the corresponding countermeasure.Its aim is to promote the rural folk credit to operate healthily,so as to serve for the development of rural economy and construction of new rural actively.

关 键 词：农村民间借贷 高利率 贷方垄断 风险溢价 

分 类 号：F830.39[经济管理—金融学]