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为了农村信用社健康发展,自1985年以来,经国务院批准,允许信用社贷款利率在基准利率基础上向上浮动,幅度可控制在60％以内。但在实践中,有些社把“可以上浮”变成了“一定上浮”,在有效地提高了信用社经营效益的同时,也给信用社带来不利的影响,其利弊表现如下: 利一,有利于信用社自身效益的提高。 利二,有利于贷款按期收回。由于信用社贷款利率高,对贷户本身是一种制约,增强了偿还贷款的紧迫感。 弊一,不利于农村经济的发展。随着
For the healthy development of rural credit cooperatives, approved by the State Council since 1985, the interest rate of lending to credit cooperatives is allowed to float upward on the basis of the benchmark interest rate, which can be controlled within 60%. However, in practice, some societies have turned “floating up” into a “certain floating up”, which effectively raised the operating efficiency of credit cooperatives and adversely affected credit unions. The advantages and disadvantages are as follows: It is good for credit cooperatives to improve their own efficiency. Lee two, is conducive to the recovery of loans on schedule. As credit lending rates are high, the credit borough itself is a constraint that enhances the urgency of repaying loans. One disadvantage is not conducive to the development of rural economy. along with