资源描述：
《温州地区民间借贷利率问题分析》由会员上传分享，免费在线阅读，更多相关内容在学术论文-天天文库。
1、IIAbstractTheinterestratepricingisanimportantfunctionoffinancialinstitutions,financialinstitutionsdevelopareasonablelevelofinterestratesaccordingtothecreditstatusoftheborrower'scredithistory,projectfutureearningsandrisk,inordertocoverthecostofborrowingandloanriskloss.Thein
2、terestrateisavariabledeterminedbymorethanafactor.Privatelendinghasitsuniquecharacteristics,comparedtothepricediscoveryprocessintheinterestratesofcommercialbanks.Recentyears,becauseoftheapplicationoftheprivatefinancialandsocialeffects,theyhavecausedwidespreadconcernofmanyex
3、pertsandscholars,civilrateanalysismethod,basedontheinterestratepricinghasalsobecomethefocusofacademiaandIndustryofcommonconcern.Basedonthedomesticandforeignresearch,Marx’screditCapitaltheoryandMcKinnon-Shaw's"financialrepression"and"deepening"theory,thispapermakesthefurthe
4、ranalysisontheprivatelendinginterestratesofWenzhou.Westartfromthesummaryofthesurveydata,andoverviewofWenzhouprivatelendinginterestrates,andthecoexistenceofdifferentfolkformsoflendingrateswasdiscussedindetails.Onthisbasis,wereviewthetrendofchangesininterestratesofprivatelen
5、dinginWenzhouareainthepastthreedecadesandanalyzedthismatterofthefactorsaffectingchangesininterestrates.Finally,weproposedpolicyrecommendationsforprivatelendinginterestrates.Thepaper'smainconclusions:(1)Fromtheanalysisofnearly30yearsofWenzhouprivatelendinginterestratefluctu
6、ations,wefoundthatprivatefinancialinterestinfluencingfactorsarecomplex,includingopportunitycosts,transactioncosts,riskpremiumandmonopolyprofitsconstitutethesupplyfactors,includingdemandfactorssuchasalsocreditcapacity,repaymentwishes,financingneeds,preferencesandalsoinclude
7、thesupplyofcreditfundsoftheformalfinancialrent-seekingcosts,interestratepolicy,thecreditstructureandinfluencingfactors.(2)Privatelendingshowesatrendofexpansion,loancapitalishighlyprofit-drivenandwayofborrowingisflexibleandefficient.(3)Variousformsofprivatelendinginterestra
8、teandtheinterestratefloatingrange.AccordingtoWenzhouprivatelendinginterestrates,wemadethe
