中文摘要：

依据我国企业现实收益率和债务负担承受力的考察,也出于维护借贷市场正常秩序的考虑,采用20%的收益率和利率水平为计算上限的分界点比较符合我国国情。为此,应按3倍贷款基准利率来确定政策允许的民间借贷年率上限,它比较符合我国当前的现实。

英文摘要：

On the basis of the observation of the real earnings rates and the debt repayment ability of China＇s enterprises, considering the maintenance of the normal order of the borrowing and lending markets, this paper believes that a 20 percent level of interest rate or rate of return is a suitable cutoff point for the up limit, which is in line with Chin＇s conditions. For this reason, we recommend that the primary interest rate of three times of the loan should be adopted to determine the up limit -. of annual rate of private borrowing and lending allowed by policy, this is relatively consistent with China＇s current reality.