农村贷款利率采取什么样的标准是一直备受争议的话题。在我国,农村金融市场曾经长期处于正规金融机构垄断的局面,农村金融呈现明显的高度金融抑制特征,农村信贷利率不能反映信贷市场的真实状况。随着农村金融改革的深入和越来越多的农村金融领域创新活动的开展,农村信贷利率市场化的问题凸现出来。利率市场化是农村金融改革过程中一 What standards have been adopted for rural lending rates has been the subject of much debate. In our country, the rural financial market has been monopolized by the regular financial institutions for a long time. The rural finance shows obvious characteristics of highly financial repression. The rural credit rate can not reflect the real situation of the credit market. With the deepening of rural financial reform and more and more innovations in the field of rural finance, the issue of marketization of rural credit interest has emerged. Market-oriented interest rate is one of the rural financial reform process