Recent wenzhou more and more business owners "run road" has caused the attention of all parties. , these are a lot of wenzhou small and medium-sized business owners for folk lending capital chain crisis and worried. Business owners generally feel, and small and medium-sized enterprises in financial institutions loans difficult, "persecuted" enterprise have to choose the high interest rates folk lending, wenzhou huge folk lending market now has involved the local every family. The wenzhou newspaper quoted a central bank wenzhou central subbranch of released "the most economical way investment questionnaire survey, in the second quarter of this year, choose" folk lending "customer account for 24.5%, for the first time more than" real estate investment "first place,NBA hats wenzhou folk lending market is currently estimated scale about $110 billion, about 89% of the personal and family and 59% of the enterprise all involved in the private lending. 89% of the wenzhou family involved in the private lending, it I'm afraid at home and abroad in the city is unique. Maybe someone will say, wenzhou people too rich, more do not know how to spend, just take to usury. Of course, the actions were the court of all this. A financial commentators wrote, if not brake the agitation of wenzhou private lending, large-scale capital chain rupture and bad loans may be the first against China's financial security of fort place. However, this view seems to be some exaggerated. Because investment opportunities too little, people of wenzhou lending money and did nothing wrong. Compared with other place, wenzhou folk lending does seem some unique. As is known to all, capital are for profit, wenzhou people don't get to usury, don't let them put the money in the bank, CPI eat? Actually, like wenzhou and folk lending should be the financing of small and medium enterprises a platform, but because, in "the system" survival, making folk lending has been the complexities, and ultimately affected the development and growth of small and medium-sized enterprises. A mature society, an effective government, should not let any of the reasonable needs a major long-term free in the system besides, the government should pass legislation to solve this problem. In February 2009, the central bank put forward enacted the) ordinance, and formed a "draft version of". ") ordinance is a positive signal, will make the folk lending problem is expected to be significant breakthrough, enterprise and individual would be a "only loans don't store"). At that time, the people's bank of China of research, said: "), will launch once regulations perfect multi-level credit market, only to borrow not exist the development of professional lending institutions, these institutions for the development of small and medium-sized enterprises is a great help." However, two years later, this has not the below. Dialectically look, wenzhou folk lending present, both the past left over from the old problems, but there are also 2008 4 trillion help city policy for small and medium-sized enterprises to the influence of capital chain rupture. This year the government decision-making to fight inflation, for central Banks to freeze the financial institutions more than 20 of RMB one trillion of funds. In the past two or three years, the government plans to start new investment scale already accumulative total of 1.2 times as high as economy, doomed to exacerbate the government and state-owned enterprise and private enterprise fight between the degree of resources, these will lead to borrow this year to scale and condition folk unprecedented scale. A prominent example is that last year the central bank monetary tightening after, enterprise of capital huge demand push the gap of private financial interest rates. Data showed that in 2008, wenzhou folk lending to the public of the macro you borrow-and that is per month on average for 8 to in 2009, up to 1.5 points, up to 3 points in 2010 (36% annual interest), double every year. Zhejiang folk capital of the average interest rate for the loan actual you borrow-and that is per month 3% (36% annual interest), lends you borrow-and that is per month 10% (120% annual interest). This years, thanks to the wenzhou people all over the country to go to investment, cause the government department concerned, and even publish relevant policy limit their investment activities, lead to wenzhou people a lot of money without investment. When the first ChaoFang wenzhou group,NFL hats wenzhou, chairman of the board of WuHao says transcendental real estate, house not let fire; Fry coal mining is state-owned enterprise incorporated, shanxi coal to make wenzhou private capital in coal mine on the loss of more than 900 to. Because of this, the capital flow to the natural changed, appeared before ChaoFang, then fry, fry coal mine, and is now "fry money" situation. In fact, the mature market there are reasonable speculation composition, folk lending is not equal to the principles, the investment to speculate. Although usury is irrational, will be affected by a person's blame, but the wenzhou people make money by lending more criticism, so far, the law does not limit folk lending. More important, the domestic folk lending is stop, because small and medium-sized enterprise have needs, and financial institutions can't meet again. Can say, the folk lending to small and medium-sized enterprises is the perfect service, this kind of its grassroots action, no one can deny that. Sustainable development of smes, obviously can't rely on several official financial institutions to support, it needs more and more extensive "grassroots financial"-and that the "private bank" to provide them with the financial support.
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