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作为一种影响巨大、但又行为“低调”的经济现象,近年来民间金融引起了社会各界的广泛关注。有学者统计,从规模上看,在1978—2008年的30年间,我国民间金融规模从40亿元左右,扩大到5.4万亿左右,年均增长率为17.8%,同期金融机构贷款规模年均增长率为18.4%,两者几乎以相同的速度增长。民间金融巨大的规模令人关注;同时,有关民间借贷、非法集资而引出的诈骗、非法集资等社会事件也引起了社会的广泛关注。
As an economic phenomenon with great influence but “low-key” behavior, in recent years, non-governmental finance has drawn wide attention from all walks of life. According to statistics, in terms of scale, in the 30 years from 1978 to 2008, the scale of China’s private finance expanded from about 4 billion yuan to 5.4 trillion or so, with an average annual growth rate of 17.8%. In the same period, the average size of loans to financial institutions The rate of increase was 18.4%, both increasing at almost the same rate. At the same time, social events such as private lending, fraud caused by illegal fund-raising, and illegal fund-raising have also caused widespread public concern.