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温州是我国金融改革的先行者,也是我国民间金融最为活跃的地区之一,长期以来,除了官方的利率外,各种形式的民间利率一直存在并发挥着作用。同时,2011年爆发并一直持续至今的民间借贷危机对温州金融市场、信用体系乃至整体经济发展产生重大冲击,以“老高”为代表的民间借贷体系备受关注。一、温州经济、金融及利率情况(一)温州经济模式的特征及原因温州拥有丰厚的民间资本,不仅孕育了一大批本土的民营企业,也孕育了活跃的民间金融市场。在温州
Wenzhou is one of the forerunners of China’s financial reform and one of the most active areas of China’s private finance. For a long time, various official interest rates have existed and played a role in addition to the official interest rate. Meanwhile, the private lending crisis that broke out in 2011 and continues till now has had a significant impact on Wenzhou’s financial markets, credit system and overall economic development. The private lending system represented by “Laogao” has drawn much attention. I. Economic, Financial and Interest Rates in Wenzhou (I) Features and Reasons of Wenzhou’s Economic Model Wenzhou has a wealth of private capital. It not only gave birth to a large number of local private-owned enterprises, but also gave birth to an active private financial market. In Wenzhou