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曲靖市位于云南省东部,地处云贵高原中部,为珠江源头第一市,辖1市1区7县,自古有“滇黔锁钥”、“云南咽喉”之称。2007年12末全市各项存款余额达568.7亿元,新增95.68亿元;各项贷款余额达379.99亿元,新增41.9亿元。经济总量与全国同级城市相比,属欠发达地区。通过调查民间借贷利率与金融机构贷款利率情况,分析利率杠杆调节下民间借贷对银行贷款的影响程度,旨在进一步完善曲靖市贷款利率定价机制,发挥利率的杠杆作用。
Qujing City, located in the eastern part of Yunnan Province, is located in the central Yunnan-Guizhou Plateau, the first city of the Pearl River source jurisdiction over a city 1 District 7 counties, since ancient times, “Yunnan and Guizhou key”, “Yunnan throat,” said. At the end of 2007, the deposit balance of the city reached 56.87 billion yuan, an increase of 9.568 billion yuan. The loan balance amounted to 37.999 billion yuan, an increase of 4.19 billion yuan. Compared with the same level of cities in the whole country, the total economic output is underdeveloped. By investigating the interest rate of private lending and the lending rate of financial institutions, this paper analyzes the impact of private lending on bank lending under the interest rate leverage. It aims to further improve the pricing mechanism of lending rates in Qujing and leverage the interest rate.