中国小额信贷的利率探析

Analysis of Interest Rate of Small Loan in China

小额信贷作为一种有组织的交易行为 ,近年来在我国扶贫系统进行了试点 ,并取得了一定的成绩。但小额信贷能否推广 ;能否帮助贫困地区解决资金缺乏的障碍 ,关键是能否制定补偿成本的利率 ,实践验证小额利息率对小额信贷的持续发展具有重要作用。影响小额信贷利率水平有诸多的影响因素 ,目前采用三种测算方法可作为确定小额信贷同利率的科学依据。

As an organized tranaction, the small loan has been experimented in the supporting system for the poor and substantial achievement has been mode. However, whether it can be applied to sectling the problem of want of capital in poor area depends on the interest rate of compensating cost. It is proved in practice that the development of small loans are great effected by its interest rate. This article analyze the three caculating methods which service as scientific evidence for deciding the interest rate.