陕西欠发达地区农户小额信贷利率水平制定探析

在陕西省洛南县实地调研的基础上,分析了现行小额信贷利率存在的问题,对当地农户生产成本及机会成本与农村信用社运营成本进行了核算,得出了合理的利率水平应处于贷款农户生产增收率的20%～30%之间的结论,并提出了相应的对策与建议.

Analysis of interest rate of small loan for the farmers in less developed areas of Shanxi Province

Based on the on-site research of Luonan County, the paper analysed the problems of small loan interest rate, calculated the producing cost, opportunity cost of farmers and the cost of rural credit cooperatives, came to a summary that the equitable interest rate was 20%-30%. The paper has also brought forward some strategies and suggestions on the topic.