农户小额信贷利率研究

发布时间：2018-02-10 04:36

本文关键词： 农户小额信贷利率贷款机构议价能力政府行为　出处：《山东农业大学》2017年硕士论文　论文类型：学位论文

【摘要】：对小额信贷利率的讨论一直伴随着小额信贷的发展。2004年,我国开始进行利率市场化改革,国家贷款利率上限逐步放开。城乡商业银行、邮储银行、农村信用社及小额信贷公司的贷款利率的确定虽然仍在政府的管制范围之内,但已经逐步迈入市场化行列。2010年10月,印度安德拉邦爆发了严重的小额信贷危机。这次事件,使一路高歌猛进的小额信贷利率市场化再次遭到质疑,也由此引发了小额信贷利率的又一次大讨论。本文在此研究背景下,综合了机构、农户和政府角度,通过分析三者之间的相互关系和相互作用,研究确定农户小额信贷利率问题。本论文通过介绍国内外关于小额信贷利率确定的模型,总结出了在一定条件下,小额信贷机构的可持续利率是由机构贷款本金决定的;其次研究了目前小额信贷利率的定价方式、小额信贷利率定价类型,分析了农户小额信贷利率水平执行情况;通过研究影响农户贷款选择方面已有的文献资料、农户利率敏感度和农户相对议价能力等内容,探讨在目前的中国农村借贷市场上农户的议价能力,得出了目前的环境下,农户在借贷市场上几乎没有议价能力结论;从政府角度介绍了外国政府在农村金融中的政策和经验、中国政府对小额信贷利率进行管制的做法,并分析了小额信贷利率政府进行管制的必要性。本论文最后分析了贷款机构、农户和政府三者之间的关系和作用,得出结论并给出了相关建议,主要包括:政府或国家政策性银行成立专项小额信贷资金,允许符合条件的小额信贷机构吸纳存款或者通过会员入股以及设立专业的、针对小额信贷机构的贷款批发机构等措施缓解小额信贷机构贷款本金不足的问题,使小额信贷机构更健康、稳定的发展,以达到更好的为农户服务的目的。
[Abstract]:In 2004, our country began to carry on the interest rate marketization reform, the national loan interest rate limit gradually liberalized. Urban and rural commercial banks, postal savings bank, Although the interest rates of rural credit unions and microfinance companies are still under government control, they have gradually entered the market. On October 2010, a serious microfinance crisis broke out in the Indian state of Andhra Pradesh. This time, The marketization of microfinance interest rate is questioned again, which leads to another big discussion of microfinance interest rate. In this research background, this paper synthesizes the perspectives of institutions, farmers and government. Through the analysis of the relationship and interaction among the three, this paper studies the problem of determining the micro-credit interest rate of farmers. This paper introduces the domestic and foreign models of determining the micro-credit interest rate, and concludes that under certain conditions, The sustainable interest rate of microfinance institution is determined by the principal of the institution loan. Secondly, the pricing mode, the pricing type of the microfinance interest rate and the implementation of the level of the micro-credit interest rate are analyzed. Based on the study of the literature, the sensitivity of farmers' interest rate and the relative bargaining power of farmers, this paper discusses the bargaining power of farmers in the current Chinese rural loan market, and draws the conclusion of the present environment. Farmers have little bargaining power in the lending market. From the government's point of view, this paper introduces the policies and experiences of foreign governments in rural finance, and the Chinese government's practice of controlling microcredit interest rates. Finally, this paper analyzes the relationship and function among loan institutions, farmers and the government, draws a conclusion and gives some relevant suggestions. Mainly including: the government or the state policy banks set up special micro-credit funds, allowing eligible micro-credit institutions to take deposits or enter shares through their members, as well as to set up specialized ones, Some measures, such as the loan wholesale organization of the microfinance institution, can alleviate the problem of insufficient loan principal of the microfinance institution, and make the microfinance institution develop healthily and stably, so as to serve the farmers better.
【学位授予单位】：山东农业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.43

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