翁牛特旗位于内蒙古自治区赤峰市中部、西辽河上游、科尔沁沙地西端。南与敖汉旗和赤峰市松山区相连,西接克什克腾旗,北与林西县,巴林右旗,阿鲁科尔沁旗及通辽市开鲁县为邻,东与通辽市奈曼旗接壤。总人口45万,其中蒙古族5.8万人。翁牛特旗境内有蒙、汉、满、回、朝鲜、壮、苗、藏等11个民族。几次人口普查结果显示,当地蒙古族人口已占全部人口的74.9%以上,是该县域地区蒙古族人口最多的群体;他们又以小聚居方式构成民族群体的居住模式,其最小的聚居单元是村落。这也就为民间借贷提供了有利土壤。从该地区总体情况看,农村借贷主要有两个方面,一个是以银行和 Wengniute flag is located in Inner Mongolia Autonomous Region Chifeng City, West Liaohe River upstream, west of Horqin Sandy. South and Aohan Qi and Chifeng Songshan District, connected to the west of the Keshiketengqi, North and Linxi County, Bahrain Right Banner, Aruqerqin Banner and Tongliao City, adjacent to the county, East and Tongliao Naiman Banner border. The total population of 450,000, of which 58,000 Mongolians. Wengniute flag territory Mongolia, Han, Manchu, North Korea, Zhuang, Miao, Tibet and other 11 ethnic groups. Several census results show that the local Mongolian population has accounted for more than 74.9% of the total population, which is the most populated Mongolian population in the county area. They constitute the living pattern of ethnic groups in small groups, with the smallest unit of settlement being Village. This also provides a favorable soil for private lending. Looking at the overall situation in the region, there are mainly two aspects of rural lending, one by banks and others