The Farmers Microcredit Interest Rates

The discussion on the interest rate of microfinance has been accompanied by the development of micro credit.2004,China began to reform the interest rate market,the gradual liberalization of the national loan interest rates.Urban and rural commercial bank,postal savings banks,rural credit cooperatives and micro credit company’s loan interest rate determined while still within the scope of control of the government,but has gradually entered into the market,.In October 2010,the outbreak of the micro credit crisis in India Ande state.The incident,surging micro credit interest rate marketization is being questioned again,also triggered a micro credit interest rate and a big discussion.Based on the research background,this paper studies the relationship between the parties and the government’s perspective,through the analysis of the relationship and interaction between the three,to determine the issue of peasant household microfinance interest rate.This paper introduces the domestic and foreign about micro credit interest rates determined by the model,summed up under certain conditions,the sustainable rate of microfinance institutions by the institutions of loan principal decisions;secondly studies the current micro credit interest rate pricing,micro credit interest rate pricing,analyzes the implementation of microfinance interest rates;through the study on the influence of farmers loans choice of existing literature,farmers and farmers interest rate sensitivity relative bargaining power of farmers in the rural credit market China the bargaining power,the current environment,farmers in the lending market almost no bargaining power of conclusion;from the perspective of the government introduced foreign policy and government experience in rural finance,the government of China micro credit interest rate control approach,and analyzes the small The need for government to regulate the amount of credit interest rates.In this paper,finally analysis the relationship and effect between lending institutions,farmers and the government,draws conclusions and gives some suggestions,mainly include: government or of the state policy banks established special funds for microfinance,allow qualified microfinance institutions to attract deposits or by membership shares and set up a professional,microfinance institutions wholesale lending institutions and other measures aimed at ease microfinance institutions lack of loan principal problems,enable microfinance institutions more healthy and stable development,to achieve better to serve the farmers.