近来,由于国家采取适度从紧的货币政策,准备金率不断上调,商业银行信贷持续紧缩,给本来就面临融资瓶颈的小微企业更增加了融资成本。在正规金融体系信贷不断收紧的同时,我国民间借贷却出现火爆的景象,这个现象不能不引起我们的极大关注。最近有报道称,温州政府召开经济金融形势和民 Recently, due to the state’s tight monetary policy, rising reserve ratio and continuous credit crunching in commercial banks, the financing cost to small and micro-sized enterprises that already face financing bottlenecks has been increased. While the credit of the formal financial system keeps tightening, there is a hot scene in our private lending. This phenomenon can not but arouse our great attention. It has recently been reported that the Wenzhou government held economic and financial situation and people