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高利贷泛滥是现行货币政策下和资金市场扭曲下的乱象。解决之道不是限制高利贷利率,而在于利率市场化,让市场来调节资金的供求。企业因为资金链问题而倒闭的消息不断出现,高利贷也更多为人们关注,而“跑路”的老板大都借过高利贷。高利贷属民间借贷,年利率一般高达30%甚至100%,是银行利息的数十倍。高利贷盛行反映了真正需要资金的实体经济,特别是中小民营企业贷款无门。由于企业资金链脆弱的问题,人们也更加担心中国经济运行的前景。谢国忠便认为,中国股市的真正好转,是将高利贷利息降下来的时候。
The spread of usury is the chaotic phenomenon under the current monetary policy and the distortion of the capital market. The solution is not to limit the interest rate of the high-interest loans, but to market the interest rates so that the market can regulate the supply and demand of funds. News of the collapse of enterprises because of the funding chain problems continue to appear, loan sharks are also more concerned about the people, and “runway ” boss mostly by usury. Usury is a private lending, the annual interest rate is generally as high as 30% or 100%, is several times the bank interest. The prevalence of usury reflects the real economy that really needs funding, especially for small and medium-sized private-sector enterprises. Due to the fragile capital base of enterprises, people are also more worried about the prospects of China’s economic operation. Xie believes that the real turnaround in China’s stock market is when the interest on high-interest loans is down.