赣、鄂、湘三省贷款利率政策执行情况调查

A Survey of the Implementation of Loan Interest Rate Policy in JiangXi, Hubei and HuNan

为了分析自 1 996年 5月以来连续 7次降息给企业带来的效应 ,研究运用贷款利率杠杆支持经济发展的措施 ,我们对赣鄂湘三省贷款利率政策执行情况作了调查。通过调查 ,我们认为 :7次降息大大减轻了企业利息负担 ,但降息不可能从根本上扭转企业经营困难局面 ;贷款利率政策执行总体较好 ,但依然存在利率水平偏高、利率结构不合理和利率传导机构障碍等问题 ;现行贷款利率政策必须完善 ,要逐步创造条件推进利率市场化。

For the purpose of analysis of the impact on the enterprises of taking down the interest rate seven times since May 5,1996,and of studying the measures of supporting economic development through the leverage of loan rate, we have a survey of the executive of the policy on loan rate within the region of Jiangxi, Hubei and Hunan provinces, By the investigation, we think:though the decrease of the loan rate seven times that can lighten enterprises burden, decreasing interest rate can not turn off the difficulty of enterprises’ operating; the policy of interest rate carry on basically, but still exist the higher interest rate level, and not in reason of the interest rate structure, and the exist of the obstruct of the conduct mechanism;the present policy of interest rate must be perfect, and the conditions for the improvement on interest rate regulated by market must be gradually created.