2008年以来,随着多次加息、上调存款准备金率、严格控制货币信贷总量和投放节奏等一系列措施的实施,宏观调控的累积效应逐步显现,银根趋紧不可避免给企业特别是中小企业融资带来一定影响。在资金供求发生变化的新形势下,金融部门正规渠道之外的高息集资行为在部分地区、部分行业又呈现出较快发展势头。以江苏省某省辖市为例,对企事业单位高息集资的主要类型、成因、危害进行深入地分析与研究,并在基础上有针对性提出相关对策建议。 Since 2008, with the implementation of a series of measures such as raising interest rates, raising the deposit reserve ratio, and strictly controlling the total amount of money and credit and the pace of launching, the cumulative effect of macroeconomic regulation and control has gradually emerged. The tight monetary tightening inevitably gives businesses, especially SME financing to some extent. In the new situation that the supply and demand of funds have changed, the high-interest fund-raising activities outside the formal channels of the financial sector have shown a tendency of rapid development in some areas and some industries. Taking a municipality directly under the Central Government as an example, this paper analyzes and studies the main types, causes and harms of high-interest fund-raising of enterprises and institutions, and puts forward relevant countermeasures and suggestions based on the analysis.