金融深化是化解民间借贷危机的根本途径

以温州为代表的民间借贷危机的发生,折射出我国金融体制方面的制度性问题。金融压抑是民间借贷危机的根本原因,银行大企业集团等参与民间放贷对危机发生推波助澜,紧缩的货币政策是民间借贷危机爆发的导火索。金融深化是化解民间借贷危机的根本途径。民间借贷危机爆发,也倒逼金融体制要加快改革步伐,现在到了该放开金融领域进入和利率管制,打破现有银行垄断体制,建立由市场资金供求决定各种利率水平的市场利率体系的时候了。

Financial Deepening: the Fundamental Way to Resolve the Crisis of Folk Debit and Credit

The private lending crisis that happened in Wenzhou reflects the institutional problems of the China’s financial system.Financial repression was the root cause of the crisis of private lending;at the same time bank group and other large enterprises participated in the private lending,which contributed to the occurrence of the crisis.Tight monetary policy is the fuse of the private lending crisis.Financial deepening is the fundamental way to resolve the private lending Private lending crisis has also forced the financial system must accelerate the pace of reform.Now it is the time to open the access to the financial sector and interest rate controls,break the existing monopoly of banking system,and establish the market interest rate system determined by the market capital supply and demand of various interest rates.