小额信贷的利率分析

小额信贷作为一种有效的扶贫手段,近年来在我国部分地区已经进行了试点,并取得了一定的成绩。但小额信贷能否持续发展并真正起到扶贫作用,关键是能否制定补偿成本的利率,并减少对利率的限制。本文通过给出小额信贷高利率的经济学解释,分析了高利率政策在我国的可行性。

As an effective way of poverty alleviation, the small loan has been experimented in some places in China and substantial achievement has been made. However, whether it can have long- term development to help the poor depends on the interest rate of compensating cost and reducing the restriction on it. By giving the economic reasons, this article analyzes the feasibility of setting down high interest rate on small loan in China.