银行业金融机构信贷资金趋紧,温州民间借贷活动敏感地发生了新的变化。温州的民间借贷由来已久,伴随着不同的经济发展阶段,呈现出明显不同的活动特征。长期以来,温州民间融资活动比较活跃,成为正规金融的重要补充。近期温州民间融资出现两个新特点:一是民间融资形式呈现组织化;二是民间融资流向呈现投机性。民间借贷利率参差 Banking institutions, credit funds tightening, Wenzhou private lending activities sensitive to the new changes have taken place. Wenzhou has a long history of private lending, with different stages of economic development, showing distinctly different characteristics of the activities. For a long time, Wenzhou private financing activities more active, becoming an important supplement to formal finance. Recently, there are two new characteristics of private financing in Wenzhou: First, the form of private financing is organized; second, the flow of private financing is speculative. Private lending rates mixed