利率对小额贷款公司经营持续性影响研究

Impact of Interest Rate on Sustainability of Micro-credit Company's Operation

利率市场化使得利率成为小额贷款公司经营管理的主要经济变量,利率管理成为小额贷款公司经营管理的主要管理方式。探讨利率管理对于小额贷款公司持续经营的财务可行性和经济可行性,从分层利率设置、融资安排和风险管理三个方面提出增强小额贷款公司经营持续性的发展思路。

Interest rate liberalization makes interest rate become the main economic variables of micro-credit company operation and management,and the interest rate management becomes the main management mode of micro-credit company operation and management. This paper discusses the interest rate management for the financial and economic feasibility of micro-credit company＇s continuing operation, and then puts forward development ideas for improving business continuity of micro-credit company respectively from three main aspects of hierarchical interest rate set,financing and risk management.