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一个有效的金融业能够避免把钱用错了地方,去支持亏损的项目,去搞政绩工程,搞重复建设或低效建设。民间借贷恰好能够满足这些条件,是大大值得提倡的事。近来整个金融业资金供应紧张,中小企业纷纷求告于民间借贷解决急需资金的供应,这造成借贷利息率高涨,企业负担加重,极不利于他们的生存和成长。但如何看待民间借贷,在我看来,民间借贷肯定是利大于弊,是一件非常值得推广的事。
An effective financial industry can avoid using money in the wrong place to support the loss of projects, to engage in political achievement projects, engage in redundant construction or inefficient construction. Private lending happens to be able to meet these conditions and is a much-deserved promotion. In recent years, there has been a tight supply of funds in the entire financial industry. SMEs have sought to solve the supply of much-needed funds in private lending. As a result, interest rates on lending have risen and their corporate burdens have become extremely detrimental to their survival and growth. However, what it takes to treat private lending is, in my opinion, that private lending certainly outweigh its benefits. It is a very worthwhile promotion.