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今年由于通货膨胀抬头,央行不断采取措施收缩流动性,带来了企业特别是中小企业融资困难,同时也带来了民间借贷的兴旺,当下民间借贷的规模和利率都已处于高位。在目前大众性投资渠道获益概率降低的情况下,民间借贷已俨然成了一种高收益的投资替代品。但相对于银行存款、保险、证券来说,民间借贷因市场规范化不足,
This year due to the rise of inflation, the Central Bank continued to take measures to reduce liquidity, bringing business difficulties, especially SME financing, but also brought about the prosperity of private lending, the current private lending size and interest rates have been at a high level. At a time when the probability of benefiting public investment channels is declining, private lending has become a high-yielding investment substitute. However, relative to bank deposits, insurance, securities, private lending due to lack of market standardization,