2008年金融危机,我们凭借坚固的金融马其诺防线安然渡过危机。但是,这并不意味着中国金融可高枕无忧,越来越大的资本黑洞——民间借贷正日益侵蚀中国的金融安全与实体经济。今天的民间借贷,已经到了疯狂的地步。民间借贷活跃与否与银根紧缩有着此消彼长的关系。央行连续多次上调金融机构存款准备金率,大量银行资金被冻结,导致 In the wake of the 2008 financial crisis, we managed to weather the crisis with solid financial support for the Makino line. However, this does not mean that China’s financial institutions can enjoy peace of mind at an ever-growing capital black hole - private lending is increasingly eroded China’s financial security and real economy. Today’s private lending has come to a crazy point. There is a reciprocal relationship between whether private lending is active or not and monetary tightening. The central bank repeatedly raised the deposit reserve ratio of financial institutions, a large number of bank funds have been frozen, resulting in