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最近我拜访了多家P2P企业、典当、小贷、保险经纪公司、理财公司、担保公司和信托公司。在欧美国家,你根本不敢想象会有众多的此类公司。这些都属于影子银行。这么多小企业的运营效率一定都不高。可是,咱们有这么多影子银行的直接原因是不理性的政府管制。如果政府把存款利率提高2个百分点,我可以肯定影子银行的一大半活动就会烟消云散。有人认为,提高存款利率,贷款利率也会相应提高,从而伤害经济。我认为,贷款利率也许会被
Recently I visited several P2P companies, pawnshops, small loans, insurance brokers, wealth management companies, guarantee companies and trust companies. In Europe and the United States, you simply can not imagine there will be many such companies. These are all shadow banks. The operational efficiency of so many small businesses must not be high. However, the direct reason why we have so many shadow banks is irrational government regulation. If the government raised the deposit interest rate by 2 percentage points, I can be sure that most of the activities of Shadow Bank will disappear. Some people think that to raise deposit rates, lending rates will also be raised accordingly, thus hurting the economy. I think the lending rate may be