基于反贫困视角的小额信贷利率问题分析

小额信贷利率水平的设定是小额信贷的核心问题,学术界对小额信贷应该实行高利率还是低利率尚存争议。本文基于反贫困视角,从市场供求与成本约束两个角度分析小额信贷的合理利率边界,并且通过对白银市农村小额信贷进行调研,发现小额信贷低利率偏离扶贫目标、高额利息小额信贷有利于减少贫困,最后得出结论与对策建议。

The Analysis on Micro-credit Interest Rate:Based on the View of Anti-poverty

Determination of micro-credit interest rate is the core problem,academic circle still have dispute about high interest rates and low interest rate.Based on the view of anti-poverty,the paper analyzes the reasonable interest rate of micro-credit from two aspects of market supply and demand and cost constraint.Through the research on rural micro-credit in Baiying city,we find that low interest rate would count against the goal of antipoverty and high interest rate would result in poverty reduction.Finally,the paper draws some conclusions and proposes a few countermeasures.