The people's bank central subbranch of recently released "wenzhou folk lending market report says, wenzhou folk lending market scale has reached 110 billion yuan. The daily economic news quoted clsa folk lending research report said the, wenzhou's folk outstanding mortgages may have as high as 800 billion yuan to 1 trillion yuan. Pedestrian wenzhou central subbranch of a folk lending end of questionnaire survey shows, accept polled, 89% of the family personal and 59.67% of enterprises to participate in the folk lending. Wenzhou small and medium-sized enterprise promotion association President said messina,baseball hats wenzhou folk lending rate has exceeded its record high, the current general you borrow-and that is per month has reached 3 to 6 points, some as high as 1 Angle, and even higher 1.5 Angle, annualised rate is as high as 180%. In the interests of the tendency, the wenzhou almost the whole people to participate in an folk credit. The wenzhou folk crazy lending face crash ", combined the morning paper nets http://www.zaobao.com/cz/cz110910_001.shtml. Small talk, a friend says, because the loans difficult, high taxes and the monopoly of the state-owned enterprises, and small and medium-sized enterprises more and more difficult to do, some owner turned to usury. Little imagine usury to money fast, die quickly. For most people borrow usury certainly is the remedy is worse than the, rely on the survival of usury enterprise one day it will happen fund chain rupture. In a market economy today, very easy to produce fund chain breaking a domino effect, the enormous social destructive power. According to the report, in April of this year began to wenzhou small and medium-sized enterprise capital chain will break, as many as 90 enterprise boss owes the debt and flight, preliminary estimates the credit scale to reach 20 billion yuan, of which, when there victims of usury. The state council premier wen jiabao has led including central bank governor zhou xiaochuan, finance minister XieXuRen etc official group to wenzhou research, in order to solve the problems. It is said that will let bank launched the suspension of the dunning, and prevent the boss flight and so on measures. The wenzhou folk lending rate to finance official crazy wen jiabao wenzhou supervisory "eastern wealth nets http://www.zaobao.com/wencui/2011/10/hongkong111005n.shtml. In fact, such events are not this year just some things, also is not only of wenzhou. Just because of the media not deliberately evades for the people know it. A few years ago his colleagues told the jiangsu taizhou happen usury capital chain rupture, the boss of suicide many news, jiangsu SiHong the jiangsu province this year the poorest county "BMW township" myth finally burst, usury is also to blame. But this time, wenzhou crisis comes viciously, especially serious: because JuanRuZhe is not just a group of malicious PRD usurer, and rely on usury production enterprises, but also because it's huge. How to solve the problems for all Chinese people's long-term well-being. I agree with the above "defer dunning, and prevent the boss flight" and other measures, but at the same time that the only temporarily being forced to move, and the solution for a long time. The long way is??????? One word: comprehensive open financial industry! Shore-nets reasons: first, in the financial is one of the economic rights, economic rights when it equal, if only allow some into banking, is the equal right of infringement. Second, if only allow some into banking, would cause monopoly, monopoly the economic damage is self-evident. Third, the further by the monopoly of the financial industry is the moral crisis: they get from the monopoly profits, and bad consequences will play to the people, by the people buried list. When zhu rongji government for bank bad debts when the bill behavior believe that people have not forgotten. A new round of government for bank bill will soon to believe. The government's money come from? Fourth, the monopoly of the financial industry must produce underground financial behavior, and this is the bane of usury,Cheap sunglasses if open the financial industry, there will be no usury. The reason is simple. Financial monopolies rely on low interest rates, and the high interest loans socan lend a vast profit, the naked rob to seek for new private capital investment channel, it leads to the other consequence of the bank money supply is insufficient, the enterprise had to seek money the bank. The money supply and demand of exuberant gave birth to the underground. The underground "system operation outside" the high risk, plus the lack of legal supervision, inevitably be an usury. At the same time, the huge capital demand also can stimulate individual behavior of usury. Fifth, the needs of the fair. In the accession to the world trade, foreigners can open a bank in China, then banned Chinese open a bank, it is not in the past, open to the financial industry is really just people "national treatment" just. Sixth, the other a seemingly attached the problem is, usury, underground this kind of and the behavior of the underworld inseparable inevitable breed underworld, such underworld unofficial background can't survive. Therefore, usury behavior a direct consequence is that encourage social, speeding up the corruption. So, instead of underground and bear it banned the unpredictable risk and harmful consequences, as "to the tube and the" and implementing the opening of the financial industry. I believe, in the financial industry be thinking of the monopoly, difficult to enforce a change not small, need the courage of politicians. But it also said that difficult, the once "speculation" sin is not to abolish the overnight? China's economy have not been damaged, instead, it have economic takeoff. Of course, open not die no matter, but with the legal supervision. This makes another topic, as financial experts.
see more:Crisis relies on the improvement of the system to solve
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