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为什么发达国家利率普遍比发展中国家低?

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关于这个问题,首先要从利率的定价角度来考虑,也就是说哪些因素会影响利率。

  1. 发展中国家货币汇率一般都不稳定,存在较高的汇率风险。如果利率较低,更没有可能吸引外资。会存在国家风险溢价。
  2. 发展中国家金融市场不完善,投融资渠道有限,会导致利率较高。
  3. 发展中国家信用体系不完善,各类融资活动风险高,会有一定的风险溢价。
  4. 发展中国家投融资活动不活跃,形不成规模效应,供给和需求量小,导致利率偏高。
  5. 发展中国家,整体生活水平处于上升期,消费需求较大,对信贷的需求量大。发达国家,则是消费需求存量饱和,增量有限。


作者:拉美哥爱较真
来源:知乎
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