AnalysisoftheCurrentactiveprivatelendingCausesandSuggestions[Abstract]Inrecentyears,alongwitheconomicdevelopment,capitalsupplyanddemandhavebecomeincreasinglyprominent,China’sprivatelendingisveryactive,thereasonismultifaceted.Privatelendingprosandcons,shouldguidepluscounseling,andtotakeactivemeasurestodealwith.[PaperKeywords]privatelending,causes,suggestedFirst,thestatusofprivatelendingPrivatelendingisanancientwayoffinancing,inourcountry,therehasbeenveryprivatelendingmarketiscurrentlyveryactiveprivatelending,accordingtoMay15,2012Shanxilegalreports,thepastoccurredinprivatelendingbetweenfriendsandrelatives,multi-purposeloansforeverydaylifeandproductionturnaroundneeded,andnowtherelativesandfriendsofborrowingisnotthemaintypesofprivatelendingisnowaprivatelendinginmanycasesisintroducedbyanintermediary,lendersandborrowersarenotmet,theborrowerhandledsolelythroughintermediarieswiththerepayment,lendingalsoverycommonphenomenonmanyandmanyplacestherewasa“professionallenders”an---本文于网络，仅供参考，勿照抄，如有侵权请联系删除---d“rentierclass”,manyofthempublicofficialsonthescene.presentstageinthemainbodyofprivatelendingchaosisfarmorethantheabovestatements,manygovernment-ledsecuritycompanies,smallloancompaniesandlistedcompaniesarealsoinvolvedinprivatelendingbusiness.stageoftheprivatelendingscopehascoveredthewholecountry,andtheinterestratesaregenerallyhigher,infact,hasbecomeusury.Becausehighlendingrates,hasexposedmanyseriousproblems,suchasWenzhou,Zhe激ang,InnerMongoliaErdos,Qingdao,Shandong,HenanAnyang,brokeoutprivatelendingfundsstrandbreaks,thebossdebt“onfoot”event,indicatingthatprivatelendingexposureshavebeennotalocalproblemofindividualdistrictsfaceofsurgingprivatelendingcrisisofhowtosortoutprivateloansfromthesourceofexposurecausesawiderangeofrisks,andtotakeeffectivecountermeasures,isplacedinfrontofoneoftheurgentneedtobreakproblems.Second,thecurrentactiveprivatelendingCauseAnalysisWhyChina’scurrentprivatelendingsoactive?Ithink,formanyreasons,themostimportantreasonsare:First,thehighinterestratesaretheprimarycauseofactive---本文于网络，仅供参考，勿照抄，如有侵权请联系删除---privatelending,according《《SupremePeople’sCourtonSeveralOpinions》》lendingcaseprovidesprivatelendinginterestrateshigherthanbankinterestratescanbeappropriate,localpeople’scourtinaccordancewiththetograsptheactualsituationinspecificareas,butcannotexceedsimilarbanklendingratefour.exceedsthislimit,theexcessinterestshallnotbeprotectedbutsincethefundsearningsdrivenbyideology,manyownersofthestatefundsregardlessofthelaw,takethemosturgentneedoffundsforSMEsandthoseofthecrisis,risinglendingrates,resultinginprivatelendinginterestratesareclimbinghigherandhigher,forexample,accordingtoWenzhouBranchBankingMay2011Wenzhouprivatefinancingforanauthoritativesurveyshowthatsinceearly2011,privatelendinginterestratescontinuetoriseasofMarch,theaveragemonthlyrateofWenzhouprivatelendinghasreached15.38‰,thanatthebeginningof1.21‰,arecordhigh.Again,inAprillastyear,theShenzhenPawnShopsThemonthlyinterestratemortgagehasreachedabout4%,equivalenttoanannualizedrateof48%.Second,thecontinuedtighteningoffinancingpolicyiscausingthecurrentprivatelending“hot”therootcauseordertostrengthenthenationalmacro----本文于网络，仅供参考，勿照抄，如有侵权请联系删除---control,inrecentyears,thestatecontinued...