韩刚，毕业于外交学院英语翻译理论与实践专业，曾以优异成绩考入外交部翻译室接受培训，后调任新闻司担任新闻发言人同传，也是著名的口译教学老师。

高利贷机构蚕食企业利润

    Monday, July 18, 2011

    内地连番加息令私营企业困扰，而一些无法获得银行贷款的公司则向高利贷公司借款。

    国有银行早前过份放贷予不可行的刺激经济项目，造成国内遍布无人城镇和空置的商场，银行也因而面临坏账风险。有见及此，政府下令国有银行大幅削减贷款，影响所及，私营企业首当其冲。

    缺乏政府支持的私营企业难以获得银行贷款，也难以发债和偿还到期贷款。

    这种情况在私营企业重镇浙江尤为明显，当地的高利贷公司收取每月10%的利息，远高于去年的5%。

    研究资金流的经济学家黎友焕表示，企业每月收益率须超过10%，才能负担10%的利息，因此很少企业可以承受。

 

      Loan sharks biting chunks out of firms

A series of mainland interest rate rises is causing headaches for the private sector, as loan sharks cash in on firms unable to obtain credit from banks.

State-owned banks have been ordered by the government to severely curtail lending. They are already at risk of being choked with bad debts after extending too much credit to unviable economic stimulus projects that have seen the mainland littered with ghost towns and empty malls. And private firms have been the first to be hit by this monetary tightening.

Entrepreneur-run businesses, which lack government shareholders, are finding it difficult to get bank loans, sell bonds and refinance existing debts as they fall due.

This is particularly true in Zhejiang province, known as the heartland of private sector businesses in China, where loan sharks are charging interest of 10 per cent a month. This compares with 5 per cent a month last year.

"Few businesses can afford the 10 per cent interest rate since they will have to generate monthly returns of more than 10 per cent," said Li Youhuan , a renowned economist on fund flows.

 

韩刚口译周末班招生简章