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Why private lending is accelerating warming

overnight and the collapse of the once-like the color group Wu Ying Jin Libin, baotou billionaires "Memorial flags" number. But they exposed the vulnerability exists in active areas of the financial management of private capital at the same time, private finance itself just shows a growing phenomenon, it is unbearable inner demand of the market, and restrictions on private finance is far lagging behind the realistic economic development.

recently, a series of negative news associated with borrowing once again become the focus of media attention
2012 year 8 trillion into the consensus of the industry of new credit financial products are expected to benefit full brewing Super 5% bank card credit card rates cut interest rate or aunt asked banks earn less than half retirement credit card was lying to 470,000 and information network formally launched the first credit card channel April 7 color group second-instance hearing in Jinhua, Zhejiang Wu Ying case. Earlier, Wu Ying for "fraudulent fund-raising" hundreds of millions of Yuan were sentenced to death, but public opinion was subject to unfair treatment in private finance, tend to want to liuwuying with an open hand.

shortly thereafter, Jin Libin bear the pressure from loan sharks died April 13 in baotou billionaires, but for the future of private lending put a big question mark.

overnight, the collapse of the once-as the character group, which many rely on folk debit and private enterprises for the development of a true portrayal of the; such as Wu Ying, Jin Libin "Memorial flags" there are plenty of. But they exposed the vulnerability exists in active areas of the financial management of private capital at the same time, private finance itself just shows a growing phenomenon, it is unbearable inner demand of the market, and restrictions on private finance is far lagging behind the realistic economic development.

marketization of endogenous demand

lending dispute on the one hand and the rising crime rate, while private lending has boomed, especially the surging interest rates again in the near future. Data show that in April, has the bellwether significance of Wenzhou private lending interest rate at an annual high of 180%, far exceeding the current Bank's one-year loan interest rate 6.4%.

high investment and joint housing and urban-rural construction policy research center of the Ordos (600295 unit) private capital investment trend report conservatively estimated, Ordos bring together civil at least 200 billion yuan more than the amount of money in the financial system, the local financial system is much more than a local bank deposit stock size. Noteworthy is that currently in Ordos, trees and other non-State capital has formed a fairly complete and begins to take shape the private lending system, and even compare favourably with the local banking system.

"If a combination of Shanxi and Northern Shaanxi regional characteristics of energy of the same type, it is estimated that private capital would certainly exceed the total scale of hundreds of billions of Yuan. "Harbin Bank investment banking Chief researcher Wang Yaling said in an interview, as grass-roots financial private capital financial market, China is becoming a rising new power, and have a significant impact on economic development in some areas.

take Wenzhou as an example, because the free flow of private capital to optimize the allocation of resources, improve the rate of return on capital, has become a main driver of the economic development in Wenzhou. According to the reporter, currently by private capital in development of private economy in Wenzhou economic pattern dominated realized gross output and value added tax payable are accounted for more than 90% of the city, takes about 75% of the working population. Wenzhou private capital brought about by the "catfish effect" also effectively activates the power within some parts of the economy.

However, according to the present borrowing limit: one is not approved by the relevant departments, not able to set up similar banks financing intermediaries, self-financing, or in the form of illegal absorbing public deposits to make loans, such as underground. Second, direct lending, can exist in a certain range, but the interest rate on loan must not exceed 4 times times the bank rate established by the State.

 

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