摘要
依据我国企业现实收益率和债务负担承受力的考察,也出于维护借贷市场正常秩序的考虑,采用20%的收益率和利率水平为计算上限的分界点比较符合我国国情。为此,应按3倍贷款基准利率来确定政策允许的民间借贷年率上限,它比较符合我国当前的现实。
On the basis of the observation of the real earnings rates and the debt repayment ability of China＇s enterprises, considering the maintenance of the normal order of the borrowing and lending markets, this paper believes that a 20 percent level of interest rate or rate of return is a suitable cutoff point for the up limit, which is in line with Chin＇s conditions. For this reason, we recommend that the primary interest rate of three times of the loan should be adopted to determine the up limit -. of annual rate of private borrowing and lending allowed by policy, this is relatively consistent with China＇s current reality.
出处
《当代财经》
CSSCI
北大核心
2012年第5期42-52,共11页
Contemporary Finance and Economics
基金
国家自然科学基金面上项目"基于企业资金循环的债权退出风险研究"(71172192)
关键词
民间借贷
基准利率
资产收益率
债务偿付能力
private borrowing and lending
primary interest rate
return on assets
debt repayment ability
