利率市场化对小额信贷的多元影响

Interest market's multiple influence on small amount loaning

利率市场化是我国金融界的发展趋势,而利率市场化对小额信贷具有多元影响。正面影响主要体现在拓展小额信贷的市场,改善小额信贷的服务和优化小额信贷的流程等方面;负面影响主要表现在利率波动的两难选择、政策导向的弱化趋势和信贷消费的盲目冲动等方面。因而,应用渐进式的方法推进利率市场化,用商业化和政策性的手段平衡效益和公平。

To liberalize the rates of interest is the future trend in China＇s financial area and this reform exerts the multiple influences to the small-amount loans.The positive effects mainly embody in expanding the relevant market,improving the service and optimizing the overall lending process.And the negative influences include the dilemma when facing fluctuating rates of interest,the weakening trend of government＇s leadership and the aimless consumption impulses.Therefore,the government should promote this liberalization gradually,and meanwhile balance the efficiency with the equity by using the commercial and political policies.