民间借贷利率

对民间借贷利率的研究具有重要的现实意义，首先，对中小企业的长远发展的意义。

First of all , it has the significance of long-term development of SMEs .

吉林省农户与非农户及各地区民间借贷利率分析

The Non-Government Finance Interest Rate of Peasant Household and Non-Peasant Household in Jilin Province

在此基础上提出了民间借贷利率及其影响因素的一般性假说。

On this basis we proposed the general hypothesis of private lending interest rates and their impact factors .

第一部分首先对民间借贷利率管制中涉及的关键词汇予以解释分析，理清各概念之间的关系。

The first part involved analysis on key terms in the usury laws by clarifying the relationship between the concepts .

利率是金融市场的核心因素，而民间借贷利率是反映民间融资市场的资金供求关系和资金价格的关键指标，对民间金融功能的发挥起着关键作用。

As interest rate is the core element of the financial markets , private lending rate is a key role in the function of private finance .

温州民间借贷利率与金融信贷传导机制分析固定利率匹配融资贷款：世界银行贷给国际金融公司的两种固定利率贷款之一。

Analysis Transfer Mechanics between Rates in Wenzhou ′ s People-to-people Borrow-or-Lend Market and Financial Credit Fund fixed rate matched funding loan : One of two types of fixed rate loans made by the Bank to IFC .

然而单独取消民间借贷利率上限，推行民间借贷利率市场化而无完善的配套法律法规的话，可能会引发经济动荡，甚至导致经济衰退。

However , cancel the private lending interest rate cap alone , carry out the private lending interest rate marketization and no perfect supporting laws and regulations , may cause economic instability , or even lead to economic recession .

融资成本居高不下，除却偏高的银行贷款利率、奇高的中间费用，畸高的民间借贷利率也是推升小微企业融资成本帮凶。

Fourthly , the cost of financing is expensive , apart from the high rate of bank loans , the high cost of the middle , high private loan interest rate is also pushing up the small and micro businesses financing cost .

因此，民间借贷利率的水平及决定机制对民间金融的经济绩效具有重要影响。

Private lending rate level and the decision-making mechanism of it has a very important influence in the economic performance of private financial . Moreover , private lending rate is decided by the bargaining process of the demanders and suppliers in the private lending market .

银根收紧，个人借贷数量有增无减，民间借贷的利率至今持续走高。

In spite of tightening liquidity , private loans are still increasing and their interest rates are climbing .

唐代民间信用借贷之利率问题&敦煌吐鲁番出土借贷契券研究

Problems of the Interest Rate of Nongovernmental Credit in the Tang Dynasty-Research on loan deeds found at Dunhuang and Turfan

特别是一些缺少现金的开发商被迫从民间借贷的年利率高达40%。

Especially cash-strapped developers are forced to borrow from the domestic curb market at annual interest rates as high as40 % .

作为最敏感的信贷状况风向标，民间借贷目前的利率水平已到达历史最高水平的每月6%（见温州报道）。

In China 's underground lending market , the most sensitive indicator of credit conditions , kerbside rates have reached extortionate levels of as much as6 % a month ( see our report from Wenzhou ) .

前者议价能力较高，具有在正规金融市场与民间借贷市场之间进行选择的权利；而后者议价能力较弱，只能被动接受民间借贷市场的高利率要求。

The former has a relatively high bargaining power , and able to make choices between the formal market and the private lending market . The latter has a relatively low bargaining power , and has no choice but accept a higher interest rate in the private lending market .

小企业参与民间借贷更多地是源于企业资金的事后缺口，民间贷方参与小企业的未来利润分享就构成了民间借贷过程中的利率决定因素；

The main reason is from the capital gap afterwards . The informal creditors ' participation in sharing future profits is decisive for the rate .