贷款市场利率模型研究

A Study Of Interest Rate Pattern for Loan Market

本文在分析我国贷款利率实践及存在问题的基础上 ,从信贷市场资金供求关系入手 ,研究贷款利率市场化的问题 ,给出了贷款市场利率模型 ,深入分析了影响贷款供求的各种因素 ,研究建立了贷款供给和贷款需求的市场利率模型 ,结合实际演示了均衡市场利率的确定方法 ,并对贷款利率市场化的制度环境建设提出了相应的对策建议。

Based on the practice of our interest rate of loans and the existing problems, this paper studies the relationship between supply and demand of the credit market funds as well as the problem of the market-oriented interest rate of loans. It further gives an interest rate pattern for loan market, analyese the various factors affecting the supply and demand of loans, demonstrates the fixed method of equilibrium interest rate in the market, and puts forth countermeasures for the construction of the system and environment for the market-oriented interest rate of loans.