摘要
农户的储蓄行为目标是比较明确的 ,主要是为了社会保障。与政府降息政策出台以及开征利息税制度的实施初衷不一致。民间借贷行为是正规金融借贷行为所不能替代的 ,其形成与繁荣是正规金融组织弱化农村信贷服务功能的一种结果。民间借贷以“亲情”和“友情”等两情借贷为主 ,借贷中“立字据”与“付息”比例并不占优 ,但在需要付息的案例中 ,其利率程度已进入“高利贷”之列。在向民间借“高利贷”与向正规金融组织贷款的选择中 ,农民优先选择的是“高利贷” ,理由是成功率和利息率相比 ,成功率为主 。
The aim of peasants' saves is social security.It has very little effects on peasants'saves to reduce interest rate and impose interest tax.The official financial institutes can't take the place of nongovernmental ones.The appearance and prosperity of nongovernmental borrowings and lendings are the results of official financial institutes having paid little attention to credit service to peasants.While some interest rates of nongovernmental money lendings are highter than official ones',the peasants choose the former,why?Because the peasants can get the money!No matter how low the rate is in official financial institutes,the peasants have very little chance to borrow the money,they can't go to borrow.
出处
《当代经济研究》
CSSCI
北大核心
2003年第8期52-58,共7页
Contemporary Economic Research
基金
国家自然科学基金资助项目 (70 1730 16 )
