可持续经营下村镇银行信贷利率实证研究

详细信息

An Empirical Research on Interest Rate of Village Banks under Sustainable Management

School of Economics and Management, Beijing University of Aeronautics and Astronautics, Beijing 100191, China

摘要: 依据国际上小额信贷先进的盈亏平衡模型和Rosenberg模型,以中国6家村镇银行作为研究对象,从信贷利率角度分析中国村镇银行未来长期内应该实行的政策。实证结果表明,推行适当的高利率是符合市场规律的,这是开展服务于"三农"经济的小额信贷业务的基础,也是未来村镇银行可持续发展的保障。
- 可持续经营 /
- 村镇银行 /
- 信贷利率 /
- 小额信贷
Abstract: This paper analyzes the policies for the long-term development of village banks in China from the interest rate perspective, referreing to the break-e ven model and Rosenberg model, which are the most developed microfinance models worldwide. Given the actual situation in China, the paper does an empirical stud y, using the data from the village banks in China. The result shows that high in terest rate is complied with market regulation, and it is the basis of microfina nce for three dimensional rural economics. Moreover, the interest rate provides support for the village banks- sustainable management.
- sustainable management /
- village bank /
- interest rate /
- microfinance

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