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由于国家近年来几次下调存款利率,部分农民认为存款利率低、收益小,出现了农户之间放高利贷的不良现象,导致民间经济纠纷增多,也增加了社会不安定因素。分析其形成原因主要为:一是国家宏观调控银根紧缩,贷款又大都推行存单抵押保证,致使部分农户从事二、三产业借款难度增加;二是利益驱动,民间高利贷一般为月息10%左右,最高达20%,促使少数农户
As the state has lowered the deposit interest rates several times in recent years, some peasants think that the deposit interest rate is low and the income is small, which has led to the unfair loan-sharking among farmers. As a result, civil economic disputes have increased and the social instability has also been increased. Analysis of the main reasons for the formation: First, the national macro-control monetary tightening, most of the loans and the implementation of certificates of deposit and security, resulting in some farmers engaged in secondary and tertiary industries to increase the difficulty of borrowing; Second, interest-driven, private loan-shark generally 10% monthly interest rate, Up to 20%, prompting a small number of farmers