Official bank loans since always, is hard to come by, even if, calculated finally down, than the statutory high 20%, 50% or even 100%.

    For example, a AAA credit rating for the enterprise for production needs a liquidity short-term loans 100000000, for a period of 6 months, the bank to apply for loans to the main account. During the smooth loan approved in advance, but additional conditions: bank lending rate for the benchmark interest rate 5.85%, retention rate of 10%~20% (it depends on the situation), namely enterprise loans 100000000, can free only 90000000 or 80000000, and retained in the Bank of 1000~2000 million is the only current (rate of 0.44). 

    6 months after loan expires, the enterprise timely return of loans, but the actual use of funds only 80000000, convert the actual loan interest rates are as follows:

    5.85*1.25-0.44%/5=7.2245%

    In fact, business spending than the statutory lending rates over 23.5%, ha ha, but even so, the enterprise also is very willing.

    But if the enterprise credit rating of AA or A or even worse, the implementation of the loan interest rates will turn up. If the overdue loan, the enterprise only for bank loans, rob Peter to pay Paul, a bunch of bad debts, if their production is not smooth, not even the turnover, only rush into danger, make usury.

    So, despite the economic downturn, but the bank loan is always scarce resources, and the vast majority of enterprises are a way for loans to banks, once around the capital is ineffective, Mister are worried to death, like Wahaha, Alibaba this own cash close to tens of billions of enterprises are very scarce.

     As long as the state's macroeconomic slightly tightening, there will be a lot of small and medium-sized enterprise bankruptcy, the reason for this is around the capital.