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放松对利率的管制是各国中央银行的普遍选择。中国人民银行对利率的管制也有逐步放宽的趋势。农信社贷款利率上限是否放开,是当前值得重视的问题。本文在对广西区内全部89家县(市)级农信社进行了专项调查的基础上,分析了广西农信社在分割市场下所处的地位,以及贷款利率定价的策略选择,最后提出了贷款利率上限在广西推行的政策建议。
Relaxing the control of interest rates is a universal choice for national central banks. The People’s Bank of China has also gradually relaxed the interest rate control. It is the current issue worth paying attention to if the upper limit of the loan interest rate of rural credit cooperatives is liberalized. Based on a special investigation of all the 89 county (city) level rural credit cooperatives in Guangxi region, this paper analyzes the position of Guangxi Rural Credit Cooperatives under the market segmentation and the strategy choice of the loan interest rate pricing, and finally puts forward The loan interest rate ceiling in Guangxi to implement the policy recommendations.