苹果七怎么下载软件:民间借贷风险骤增 “游资猛虎”如何归笼?

Folk lending increased risk "idle money tiger" how to be cage?
In December 2011, the 11:40:00Source:Xinhua net The sizebigsmall】【collection】【print】【closed】


Xinhua net guangzhou 07 dec (reporter HuangMei, WangKaiLei) in 2011, in the market liquidity of tightening in the background, the folk lending become the focus of attention of the public opinion topic.
On December 6, the supreme people's court issued a circular asking people's courts at various levels in accordance with the trial of folk lending disputes properly, and promote economic development maintaining social stability.Earlier, the people's bank of China said, folk lending has a system level legitimacy, is the formal financial complement, should be standardized the sunshine.
"Underground money can be pumped" scale what size is it?"Hot money tigers will bring which influence?Folk lending how to into effective supervision?
Market liquidity tightens "underground money can be pumped" horizontal line
"Just from our way to raise 700000 yuan there emergency, 5.8%, let you borrow-and that is per month production line turn up to say again."Talk about folk lending, in guangzhou is engaged in the production of furniture, liu hao feel very complicated.
Liu told reporters, this year from bank financing is difficult, he obtained from folk channels in urgent need of money, but the cost is high, more than 60% annual interest.Raw materials, artificial price hikes, financing costs, the enterprise to make money more and more difficult.
Folk lending isn't new, small and medium-sized enterprises in need money when will usually find small loans interbank lending companies or industries.Since this year, many small and medium-sized enterprises to monetary tightening by Banks and other regular channel to financing, folk financing scale expanding, costs are "things".
According to introducing, private-loan mainly have three ways: one is through the small loans company access to funds to the pearl river delta region, for example, have the mortgaged property cases, the loan when rates from 2.5% to 3%, unsecured loans, when rates from 6.8% to 10%;2 it is between industry between, general common in the large market, through the peer introduction or business, money can be 6% to 12% of home-textile you borrow-and that is per month get capital;Three is all sorts of underground, financing source complex, with illegal funding risk.
Zhongshan university law school professor YangXiaoJiang said, when the enterprise need financing, should go to look for regular financial institutions.But the funds tightens, in the market mechanism, commercial bank advantage resources give priority to the large state-owned enterprises, strong and enterprise tilt.If pure depending on market mechanism, small businesses from the bank is hard to blend to money.
Along with the social mobility continued tight, and small and medium-sized enterprises has become the main folk financing borrowing object.Recent due to tight control, the real estate business of real estate, especially small and medium private financing demand increased dramatically.A real estate company to make its developing buildings construction on schedule, you borrow-and that is per month to three points to the folk financing $80 million for temporary flow.
In 2011, the market liquidity tightens, gave birth to the huge folk lending market.Reporters in the investigation to know when, the pearl river delta region "underground money can be pumped" has formed a fairly large.In previous held the 110th China import and export commodity trade fair, many home of small businesses in which long outside of the Yangtze river and pearl river delta in the Midwest, and small and medium-sized enterprise "gray financing" behavior is not rare.
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