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本文基于小额信贷产品准公共产品的视角,探讨了小额信贷利率的确定机制,分别对一般市场小额信贷的利率确定和作为准公共品的小额信贷利率的确定进行分析,认为小额信贷利率的确定应充分认识其准公共品的属性,结合市场和政府行为,综合确定。按照市场原则,可以采取更为灵活的利率政策。政府应该采取有效的外部性内部化的方式确保小额信贷市场的有效运转。
Based on the perspective of quasi-public products of microfinance products, this paper explores the mechanism of determining the interest rate of microfinance, analyzes the interest rate determination of microfinance in the general market and the determination of the interest rate of microfinance as the quasi-public goods respectively, The determination of credit interest rate should fully understand its quasi-public goods properties, combined with market and government behavior, comprehensively determined. According to market principles, we can adopt a more flexible interest rate policy. The government should adopt an effective internalization of externalities to ensure the effective operation of the microfinance market.