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纾解融资难、融资贵,需要把非银行金融体系纳入监管体系,也需要进一步推进利率市场化。当前我国社会融资成本高,主要表现在民间融资的高成本。市场上的民间借贷利率动辄达到百分之十几以上的高位,远远高于央行基准利率和体制内银行给出的贷款利率。正因为银行体系内外的巨大价差,推动资金游离于银行体系之外,追求高额的回报,这带来的一个直接结果就是体制内银行融资占社会资金的比重在不断
To ease the financing difficulties and raise funds, we need to include the non-bank financial system in the regulatory system. We also need to further promote the marketization of interest rates. At present, the high cost of social financing in our country is mainly manifested in the high cost of non-governmental financing. Private lending rates on the market frequently reach a high of over 10%, much higher than the benchmark interest rate set by the central bank and the lending rates given by banks within the system. It is precisely because of the enormous spread between the inside and outside of the banking system that pushing funds out of the banking system and pursuing high returns is a direct consequence of the fact that the share of bank financing in the system accounts for a continuous share of social funds