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随着市场经济的发展,民营经济的兴起,产生了大量的融资需求。而国有商业银行转型,县以下金融机构的大量撤并,使大量的融资需求得不到满足,日益突出的资金供求矛盾导致了民间融资在地方的日趋活跃。民间融资的供给主体及其特征富有的城乡居民是民间融资的供给主体之一。据人行大同中心支行调查,富有的城乡居民占有的储蓄存款高达280亿元以上。在物价不断攀升,储蓄存款负利率的情况下,民间借贷因利率高、风险小、回报大,吸引了富有城乡居民的大量剩余资金。
With the development of market economy, the rise of private economy has generated a large amount of financing needs. However, the transformation of state-owned commercial banks and the massive merger of financial institutions under the county have not satisfied a large amount of financing needs. The increasingly prominent contradiction between supply and demand of funds has led to the increasingly active development of private financing in localities. The main body of private financing and its characteristic urban and rural residents are one of the main suppliers of private financing. According to a survey conducted by the PBOC Central Branch, wealthy urban and rural residents own up to 28 billion yuan of savings deposits. With the rising prices and the negative interest rate of savings deposits, private lending attracted a large amount of surplus funds rich in urban and rural residents because of high interest rates, low risks and large returns.