农村民间借贷高利率对农村经济社会发展的影响

通过描述中国农村民间借贷现状,简析了我国农村民间借贷高利率形成的原因,通过建立数理经济模型,分析了我国民间借贷高利率在农村经济社会发展过程中所起的作用。本文认为尽管高利率对农村经济的发展存在各种消极的影响,但是如果能够合理规范农村民间借贷利率,则对经济的发展有一定的促进作用,虽然消极影响要大于积极影响。为此,建议制定相应的法律来完善和规范民间金融借贷,正规化将成为我国历史进程中的迫切要求。

Impact of Rural Non-government High Interest on the Rural Economic and Social Development

This paper describes the status of Chinese rural non-government loan,and the causes of the formation of higher interest rates.Then it establishes the mathematical economic model to analyze non-government loan rates′ important role in rural economic and social development.The results show that high interest rates have negative impact on economic development,but reasonable non-government loan rates have certain positive impact on economic development.Generally,negative influence is more than positive influence.Therefore,we should formulate laws to improve and standardize non-government financial loan,regularization will become the urgent request in the process of our country′ history.