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利率市场化对农信社而言,是机遇与危机并存,如果农信社不能够及时转型,巩固“服务三农”的主力军地位,市场就会被蚕食,并实实在在地演变为一场生存危机中国人民银行决定,自7月20日起全面放开金融机构贷款利率管制,取消金融机构贷款利率0.7倍的下限,不再设立上限。这意味着金融机构将能够自主定价,确定贷款利率水平。此外,央行特别对农村信用社贷款利率进行了松绑,不再设立上限。这有利于覆盖小微三农贷款风险,改善金融支持,会令整体贷款成本下降。目前看来,这一改革的
If the rural credit cooperatives can not make the transition in time and consolidates the mainstay of “serving the agriculture, rural areas and farmers”, the market will be eroded and actually evolve The People’s Bank of China has decided that since July 20, it will completely liberalize the interest rate controls on financial institutions and lift the lower limit of 0.7 times the lending rate of financial institutions. No upper limit will be set. This means that financial institutions will be able to price themselves and determine the level of lending rates. In addition, the central bank has especially relaxed the loan interest rates of rural credit cooperatives and no longer set an upper limit. This will help cover the risk of loans to SMEs, improve financial support and reduce overall loan costs. It seems that this reform