【新唐人2011年9月8日訊】為了壓抑通脹，中共政府採取了收緊信貸政策，致使大陸不少民企借貸無門，越來越多的小商企業轉向黑市，或以打白條形式借貸度日。外界估計，下半年中國將有40%中小企半停產、停產甚至倒閉。而有錢的企業反而用高利貸放債來取代做生意。有專家表示，中國正面臨著新的經濟災難。請看報導。
大陸股票交易所的申報文件顯示，40家上市公司在今年1——8月份，總共發放「委託貸款」80億元人民幣，其中有企業收取的利息高達24.5%，相當於1年期基準貸款利率的近四倍。其中一家企業今年上半年的盈利，85%是來自放債的收入。
山東省紡織器材廠欒經理表示，他的企業也是需要貸款維持。
欒經理（山東省紡織器材廠）：“需要資金這塊，就得向村裡親戚朋友啦貸款！”
據了解，在中國，企業之間被嚴格禁止直接拆借資金。不過企業可以透過銀行，向指定借款人發放「委託貸款」。貸款利率由委託方決定。銀行則充當中介人收取手續費。
美國《華爾街日報》報導，「香溢融通控股集團股份有限公司」(Sunny Loan Top Co.)業績報告顯示，今年1-6月份發放「委託貸款」，實現人民幣5550萬元利潤，佔上半年淨利潤的85%。
此外，今年2月，「武漢健民藥業集團股份有限公司」(Wuhan Jianmin Pharmaceutical Groups Co.)以20%的年利率，向一家酒店運營商發放了人民幣1.5億元的「委託貸款」，交易利潤約佔上半年淨利潤的三分之一。
經濟學家草庵居士：“由於中共官方企業的壟斷，造成大量的國有企業和一些大型企業的收入多，有很多現金，他們就可以不用花任何力氣，就可以以貸款的形式，地下資金的流轉，來去解決中小企業的帳（借貸），這樣他們也能夠盈利。就造成目前的狀況。”
經濟學家草庵居士指出，中共當局2008年放出了4萬億的經濟發展基金。在09年的時候，又增加了9萬億貸款，由於現金投放過度，造成通貨膨脹。為了抑制通貨膨脹，穩定物價，中共政府就開始收縮貨幣。
浙江省溫州中小企業協會會長周德文，對《華爾街日報》和香港的《文匯報》表示，越來越多小商企轉向黑市或以打白條形式借貸度日。他估計，如果政府不協助中小企渡過難關，下半年，中國的中小企業將有40%停產甚至倒閉。
草庵居士：“企業本來是靠貸款進行的，整個中小企業，尤其是私營企業就得不到貸款支持。剛剛有點貸款，現在馬上間就收縮造成這些企業沒辦法維持下去。”
8月29號，溫州耐當勞鞋材有限公司停工，眾多手拿欠條的供應商在廠區聚集。
草庵居士表示，這是中國大陸經濟走向危險境地的一個信號。
英國《金融時報》評論說，每次信貸管制，企業處於「不借高利貸等死、借高利貸找死」的絕境之中。中小企業是直接的、永遠的受害者。
新唐人記者唐睿、柏妮採訪報導。
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Usury Destroys SME in China
In order to control inflation, the Chinese Communist Party
(CCP) increased control on lending,
resulting in many small business unable to obtain any loans.
More and more small businesses turned to the black market.
According to an estimate, there will be 40% of mid to small
businesses slowing production, stopping production,
or even going bankrupt.
Rich corporations earn money from giving high interest loans
instead of doing everyday business.
Experts say China is facing a new round of economic crisis.
Mainland China』s stock exchange filing shows,
from Jan. to Aug. 2011,
40 listed companies gave out 8 billion yuan
in entrusted loans.
This included corporations』 interest as high as 24.5%,
equivalent to 4 times the annual benchmark loan rate.
One corporation』s half yearly profit relies on
85% of loan interest.
Shandong Textile Equipment Factory director Mr Luan said,
his company can only survive on loans.
Mr. Luan: “we need loans from friends and
relatives from the village."
In China, direct lending of funds between enterprises
is strictly prohibited.
However, corporations can sign out entrusted loans
to borrowers through the bank.
Interest rates are determined by the commissioning party.
Banks act as intermediaries.
According to The Wall Street Journal, Sunny Loan Top Co.』s
performance report shows, from January to June 2011,
the entrusted loans accounts for 55.5 million Yuan profit.
It also accounts for 85% of its first 2 quarters.
In February 2011, Wuhan Jianmin Pharmaceutical Groups
signed 150 million Yuan of entrusted loans
at an interest rate of 20% to a hotel operator.
This accounted for a third of its first 2 quarters』 net profit.
Economist Cao』an Jushi:
“Due to the monopoly of CCP state owned companies,
it causes many state-run and big corporations to have
high income and cash flow,
through the use of signing entrusted loans.
They can easily move cash around underground,
to solve mid to small business (loans), this way,
they also profit. This is the current situation.
Economist Cao』an Jushi pointed out that the CCP put in
4 trillion yuan into the economic stimulus plan in 2008.
In 2009, they contributed another 9 trillion yuan in loans,
excessive cash put into the economy causing inflation.
Now to control inflation, the CCP has started to decrease
the cash available in the economy.
The president of Association of SMEs in Wenzhou,
Zhejiang Province, Zhou Dewen, said to Wall Street Journal
and Hong Kong』s Wen Wei Po that
more and more small businesses turned to the black market,
or are surviving via IOUs.
He estimates, if the government doesn』t help the mid-to-small
business through hard times,
there will be 40% of Chinese mid-to-small business
either halting production or going bankrupt.
Cao』an Jushi: “Corporations run on loans, for mid-to-small
businesses, especially privately owned businesses.
Not being able to obtain loans, from releasing more loans to
suddenly restricting loans, make those businesses hard to run."
On Aug. 29, Wenzhou Shoe Material Co. Ltd stopped
production, suppliers holding IOUs gathered at the factory.
Cao』an Jushi said, this is a sign that Mainland China』s
economy is heading towards danger.
UK’s Financial Times commented, with every credit control,
businesses are trapped in a death situation,
“loaned usury is to die a death by sharks".
Mid-to-small businesses are always the direct victims.
NTD reporters Tang Rui and Bo Ni.
