论文部分内容阅读
社会经济的发展,公民收入的增加,使公民手中消费后的剩余资金越来越多;1996年,国家取消保值,连续下调利率的举措,让人们对储蓄存款不再情有独钟。另一方面,国家信贷资金依然紧张,居民个人贷款渠道狭窄的现实,使行民间借贷,这一古老的借贷方式有机
The development of social economy and the increase of citizens ’income have made more and more surplus funds after citizens’ consumption in their hands. In 1996, the state canceled the policy of keeping interest rates and continuously lowered interest rates, so that people no longer enjoy fond credit for saving deposits. On the other hand, the national credit funds are still tense, and the narrow personal income channels of residents make private lending. This ancient way of borrowing is organic