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高息民间借贷正在全国蔓延。业内人士表示,在信贷紧缩、楼市调控背景下,民间资金缺乏投资渠道,同时,中小制造类企业、房地产、矿业等行业资金需求量大,民间借贷空间迅速扩大。目前仅浙江民间资本就高达万亿元,通过小额贷款公司、担保公司、典当行和个人之间放贷,成为民间借贷流通的主要途径,月息回报普遍在2分以上,最高的甚至达5分,即年利率60%。疯狂的民间借贷背后隐藏着巨大风险。有报道称,曾经因高利贷泛滥而成为
High interest private lending is spreading across the country. Insiders said that under the background of credit crunch and property market regulation, there is a lack of investment channels for non-governmental funds. At the same time, there is a huge demand for capital in small and medium manufacturing enterprises, real estate and mining industries, and the space for private lending has rapidly expanded. At present, only private capital in Zhejiang reaches as high as 1 trillion yuan. It has become the main channel for circulation of private lending through small loan companies, guarantee companies, pawn shops and individuals. Monthly returns are generally above 2 points and even up to 5 Points, or 60% interest rate. Hidden behind the crazy private lending huge risk. It has been reported that it was once caused by the spread of usurious loans