Analysis Of Private Financial Interest Rates

The finance is the core ingredient of modern economy, and informal finance is an important branch of the finance, and its effect on rural economy is more and more obvious. But the development of informal finance has been slower in our country, because it is affected by factors such as history, system, which influences the development of rural area even entire social economy gravely. Since the reform and opening up, the informal finance has driven the development of social economy greatly, but rural finance system at present cannot still satisfy the need of rural economy and social development of present stage. In addition, theory studies of informal finance also need be opened up. The market between informal finance and formal finance is intersected approximately, and fund price as the core factor of informal finance market——interest rate of informal finance, has varied styles because of its characteristic concealed and dispersed; Influencing factors, bound and pricing mechanism etc. of informal finance, all need the research going a step further. It is obvious that informal finance and relevant studies have very important reality and theory significance.The text begins from studying general situation of informal finance, putting particular emphasis on analyzing different interest rates of informal finance and their correlativity; analyzes influencing factors of interest rates of informal finance combining with investigation data, and amends classics model; and then analyzes fraternity's interest rate and efficiency with a case of a fraternity of N county in Zhejiang; sums up full text finally and expects research direction in future.