高利贷的危害与政策回应

金融危机导致国内大批中小企业资金链断裂，不少企业为了维持生存，解决一时资金周转困难，而不得不借高利贷以解燃眉之急。但是，高利贷犹如套在中小企业脖子上的“绞刑绳”，原本许多经营正常的企业因为借高利贷而被迫关闭破产。因此，在金融危机的背景下，我们必须加强监管，严厉打击高利贷行为，鼓励企业抱团自救。向国家商业银行贷款，以度过困难阶段。

Danger of Usury and Countermeasures

The current financial crisis has led to capltal-strand breaks of a large number of small and medium-sized enterprises. In order to survive and solve the temporary cash-flow difficulties, many enterprises have had to borrow usury to meet their urgent needs. However, usury seems to be like a “hanging rope” for these small and medium-sized enterprises, which had normal operation in the past, leading many of them to be closed or bankrupted. Therefore, in the background of financial crisis, it is desirable to strengthen supervision for monetary industry, to crack down on usury, to encourage enterprises to be united as one and self-help, and to ask Government commercial banks for loans so as to overcome the difficult phase.