作　　者： ; ;

机构地区： 中华人民共和国审计署

出　　处： 《西安电子科技大学学报（社会科学版）》 2010年第5期51-57,共7页

摘　　要： 民间金融利率是民间金融的核心问题。我国许多地区的民间金融利率,均呈现出与法定金融机构贷款利率一致的变动趋势,但二者间始终存在巨大差距。通过引入法定金融机构贷款"融资成本"概念,说明民间金融利率不仅需要参考法定金融机构贷款利率,还要包含借款人享受法定金融利率所需付出的"融资成本",进而构建局部均衡模型,说明"融资成本"是民间金融高利率的重要原因,并提出有效降低"融资成本"的建议。 The informal financial interest rate is the core question of informal finance.In many areas in China,informal financial interest rates and formal credit interest rates present a consistent change tendency,but a huge difference exists between them.The introduction of ＂the Credit Cost＂ shows that the informal financial interest rate not only needs to refer to the formal credit interest rate,but also must contain the credit cost which the borrowers enjoying formal credit interest rate must pay.Then partial equilibrium model is constructed.The paper explains that credit cost impacts borrowers’ decision-making,and proposes suggestions to reduce credit cost.

关 键 词： 民间金融 法定金融 融资成本 资金价格

领　　域： [经济管理]