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我国实施紧缩的货币政策以来,众多中小企业向银行融资难度增加,不得不转向民间信贷市场,使得民间信贷的规模和利率飙升。按照我国现行的法律规定,民间信贷的利率不得高于银行贷款利率的4倍。现今央行规定的贷款基准年利率为5.85%,但在中小企业较多的苏浙和广东地区,无抵押的民间贷款年利率已高至60%,可见民间信贷的膨胀早已超出了可控范围。
Since the tightening of monetary policy in our country, many small and medium-sized enterprises have become more and more difficult to raise funds from banks and have to turn to the private credit market. As a result, the scale and interest rate of non-government loans have surged. According to the current laws and regulations of our country, the interest rate of non-governmental credit shall not be higher than 4 times of the interest rate of bank loans. At present, the benchmark interest rate for loans set by the Central Bank is 5.85% per annum. However, in the areas of Jiangsu, Zhejiang and Guangdong where there are more small and medium enterprises, the unsecured private lending interest rate has risen to 60% per annum. This shows that the expansion of private credit has already exceeded the controllable range.