Research On Interest Rate Of JiLin Province's Folk Lending

In the folk money market, the foundation of trade-off between the fund supplier and demander is the fund supply and demand price----the interest rate,which is not only the driving mechanism and the core of this markert's operating,but also the link of the contact between folk fund supplier and demander.The activity of folk lending widely enliven in the countryside and the town of Jilin Province, its interest rate's height,the sector of interest rate's rationality,and the relevance between interest rate and credit period and so on,are all the important factors which could affect the folk money market's healthy,orderly developing of Jilin Province.The paper uses the method demonstrational analysis to analyze the interest rate problem of folk lending which included famers'and non-famers'of Jilin Province and various areas'folk lending thoroughly and deeply,then analyzes the factors which affects the the interest rate of folk lending and the trend of interest rate, finally put forward the target-oriented policy proposal. The paper's research frame and the major point are as follows:In the first part,it elaborats the research background and the significance, and outline to the domestic and foreign related research. First,it outlines related research of the exsited literature; Next,it shows the paper's structure arrangement and the research technique; Finally, it elaborates the paper's innovation,deficiency and the quote datum's origin.In the second part,it explains the paper's research target on the basis of summarizing related research of folk lending's interest rate.First,it outlines the condition of folk lending's interest rate of Jilin Province, then it is divided into three setor according to the interest rate level: high-interest lending,low or middle-interest lending and non-interest lending;Next,it analyzes the present situation ,use and supplier of the high-interest lending and non-interest lending of Jilin Province; Finally,it compares the twos and analyzes the coexisting of the twos.In the third part,it gives demonstrational analysis to the flok lending rate of both famers and non-famers of Jilin Province,then take compare.The datum this part used are rooted in People's Bank of China, ChangChun Central Branch,after reorganizing them,it take them as the argument of analyzing the farmers'lending activity of Jilin Province,then analyzes the credit period and the sector of interest rate's fancy of farmers, and obtained the conclusion:the farmers'lending rate assumes'U'tendency along with the credit period's extension. Then it analyzes the non-farmers'lending activity by the similar method,and obtained conclusion :the non-farmers'lending rate assumes unremarkable inverse'U'tendency along with the credit period's extension. Finally,it carrys on the comparative analysis between the farmers'and non-farmers'lending rate.In the fourth part, it gives demonstrational analysis to the lending rate difference of different areas in Jilin Province. The datum this part used are also rooted in People's Bank of China, ChangChun Central Branch,after reorganizing them,it analyzes the characteristic of lending rate of Jilin Province's big three economical belt's.The short-term folk lending rate of central section of Jilin Province is been in high level because of geographical position, production environment and industrial structure influences,etc;the lengding rate of the east section of Jilin Province enhances gradually along with the credit period's lengthening because of the unique cultural background and underdeveloped credit mechanism in YanBianState.In the fifth part, it analyzes the factor which affects folk lending rate of Jilin Province,and explains the reason for lending rate reduced on surface,materially elevated during the recent years,then draw the conclusion: to maintain its market share in the financing market, the lending rate of Jilin Province will closely follow to the national macroeconomic policy, then take continual readjustment.In the sixth part, it is the main conclusion and policy proposal. Based on the research above, it puts forward the corresponding policy proposal:to standard the folk lending market,to speed up the construction of interesrt rate marketability, to speed up the construction of good faith system, to further explore the financial innovation, to further explore the new rural finance organization.