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在经济发达地区,融资渠道多,资金供需平衡,但在贫困地区,资金供需缺口比较大,已经绝迹的民间借贷死灰复燃,且十分活跃,挤占了一部分农村资金市场。尤其近两年存款利率连续下调,存款收益减少,挫伤了储户存款积极性,加之国家自１９９９年１１月１日起开始征收利息所得税,一些投机
In economically developed regions, there are many financing channels and a balance between supply and demand of funds. However, in poor areas, there is a large gap between supply and demand of funds. The extinct private lending has been resurrected and is very active, occupying a part of the rural capital markets. In particular, the continuous reduction of deposit interest rates in the past two years and the decrease in deposit receipts have dampened the depositors’ deposit enthusiasm. In addition, the state started to impose interest income tax on November 1, 1999 and some speculations