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在紧缩性财政货币政策下,民间资本市场在一些经济发达的地方异常活跃,促进了经济的高速增长,但同时民间借贷在发展的同时也出现了不少弊端,借贷规模明显扩大、利率逐步攀升、借贷主体及资金用途多样化和向职业化转变等新特点,弱化了宏观政策效果,为洗钱等行为提供了渠道,风险隐患较大,对金融体系稳定造成威胁,应引起高度关注。
Under the tightening fiscal and monetary policies, the private capital market has been exceptionally active in some economically developed areas, which has promoted the rapid economic growth. However, at the same time, there have been many shortcomings in the development of private lending. The scale of lending has been significantly expanded and interest rates have gradually risen , The diversification of borrowers, the diversification of fund use and the shift to professionalism, which have weakened the effect of macroeconomic policies, provided channels for money laundering and other acts, exposed a lot of risks and posed a threat to the stability of the financial system, which deserved great attention.