支农再贷款利率政策研究

Research on Aid-Agriculture Re-lending Policy

人民银行对金融机构借用支农再贷款发放的贷款利率进行限定,以更好地发挥支农再贷款引导"三农"融资成本下降的作用。本研究以贵州省农村信用社为分析对象,通过计量分析等方法估计全省农村信用社总体贷款非资金成本率,通过比较分析方法对各信用社贷款非资金成本差异存在的原因进行分析,验证了现行支农再贷款利率政策总体上的合理性,同时对进一步完善现行支农再贷款利率政策提出了建议。

In order to give full play to the role of aid-agriculture re-lending in reducing the financing cost of agriculture, farmers and the rural area,the People＇s Bank of China predetermines the interest rates of agriculture refinancing loans issued by the financial institutions. This study takes the rural credit cooperatives in Guizhou Province as the analysis object,and estimates the overall cost of the loan used by the province＇s rural credit cooperatives via the econometric method. Moreover. It does a comparative analysis study on the reasons leading to the cost variance of each Credit Union Loan to verify the current interest rate policy＇s rationality of agriculture lending. Meanwhile,this study puts forward policy recommendations to further improve the existing rate policy of agriculture refinancing.