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本文在利率市场化金融环境的背景下,借助农村信贷配给变动程度与利率浮动、金融机构贷款定价变动的关系图,推测两者之间的相互作用关系,并运用相关课题组的实地调研数据对推测结果进行实证检验。在本文的研究结果中发现,利率放开后,金融机构针对不同的客户群体制定的差别定价对农村信贷配给的影响不是简单的线性关系,利率与其对农户信贷配给程度的影响历经三个阶段。首先,利率定价的提高首先会适当缓解农村的信贷配给程度;其次,利率定价与信贷需求达到平衡;最后,随着定价持续上升,反而会逐渐加重农村信贷配给的遭遇程度。
Under the background of the market-oriented interest rate liberalization, we use the relationship between the fluctuation of rural credit rationing and floating interest rates and the change of loan pricing in financial institutions to speculate on the interaction between the two. Based on the field research data of relevant research groups The results of speculation test. The results of this study show that after the liberalization of interest rates, the impact of differential pricing set by different financial institutions on rural credit rationing is not a simple linear relationship. The interest rate and its impact on the credit rationing of rural households have been through three stages. First of all, the interest rate pricing will improve the degree of credit rationing in rural areas. Secondly, the interest rate pricing and credit demand should be balanced. Finally, as the pricing continues to rise, the degree of credit rationing in rural areas will be gradually aggravated.