Every Household Does Not Stock &Nbsp; Ordos Returns To China To Lend Money.

A dazzling Mercedes Benz S class car, a tall building with tall buildings.

From many real estate predators, including Pan Shiyi, to push the market, to build a ghost city to Kangbashi, to the per capita GDP more than Hongkong's oath, "Yang (eyebrow) eyebrow (coal) spit (earth) gas (gas)" Ordos (turn into a mysterious city where everyone can see gold.

Today, a group of people who have worked in Beijing for many years.

Family lending, take the "white" heart is also steadfast.

"Today, we borrow ten thousand yuan (100000 yuan), and 2 monthly interest points.

Guarantor: Liu Moumou.

Borrower: Lee Moumou.

September 23, 2005 -- this simple white strip is the only proof of the savings and interests settled by the white aunt who lived in Ordos for decades.

On the 1 day of March and September, aunt Bai opened the locked drawer and took out the white strip and looked at it again.

Then he excitedly picked up his cell phone and called Mr. Lee, who received the loan, "don't forget to help me prepare for interest 23 this month."

In the past 6 years, Li Xiansheng has been paying interest to Aunt Bai on time. Although aunt Bai holds only a "white bill", it is very practical.

She told the Beijing Morning Post reporter: "don't worry, we are all for acquaintances."

The loan recipient, Mr. Li, admitted to reporters: "before 2010, I will pay 4 points interest to the local developers to earn the difference.

But after 2010, I felt that the market demand of Ordos was not so strong, and I did not dare to put it out again and start my own project.

At present, many bosses borrow money mainly for their own turnover.

Once the project is made, it will be paid back. "

According to Mr. Li, in fact, most of the money collected by Ordos people is still reinvested in real estate and coal mines.

Ordos financial office's public statistics show that Ordos originally had more than 270 guarantee institutions, from September 2010 to March 2011 to carry out the financing guarantee agencies rectification work, the number reduced to 36.

At this point, many Guarantee Corporation began to lend their own funds and no longer absorb public funds.

However, the closure of public channels has not hindered the pace of "Ordos family lending", and white aunt, aunt White's younger sister, younger brother and sons and daughters, through their acquaintances' "way", have been playing "ious" to lend money to eat.

"Abnormal" financial concept: only lending, not stocks.

In Ordos, they only lend money.

Ding, who was born in 1980, worked hard in Dalian for a few years, and finally decided to go back to his hometown, Ordos.

For nothing else, a sumptuous feast, a fancy car, a classmate wearing a famous brand...

In the past few years, the atmosphere of going home for the holidays has made her realize that her hometown is rich.

Ding Hua feels that if people have money, they will know how to manage their finances. The more abundant they are, the less stock and futures they will have.

Although Ding Hua had heard about Ordos people "only lending and not buying stocks", she started a Forex firm with the idea of changing her hometown's "abnormal" way of managing money.

A year and a half insisted on letting her bow in front of the reality. Not only did she have few people to open up her account, but few people even opened accounts to the next company.

Ding Hua said frankly: "Ordos people believe that lending is more stable and less risky than foreign exchange and speculation. It is considered a revenue from drought and flood."

A survey by Inner Mongolia University shows that 50% of the urban residents in Ordos are involved in capital activities of lending and lending.

"Usury", which Chinese people often see in Korean dramas, is actually staged in Ordos folk.

Business opportunities in hometown attract loans from Beijing white collar families.

Think of yourself in Beijing for nearly 10 years, only with the help of their parents to buy a house, mortgage, car loan plus all kinds of expenses, the monthly salary of 8000 Yuan Xiao Hu now feel a little breathless.

"In the last few years, holding 100 thousand yuan in the hands of the savings, failed to catch up with the stock market, also failed to catch up with the house, now you can not miss this round of home in this round of" fortune opportunities ".

Thus, during the Mid Autumn Festival this year, when Xiao Hu heard everyone talking about Ordos's private lending, he hears heartstrings.

"The monthly interest rate of 2 cents, the interest rate of 100 thousand yuan per year is 24 thousand yuan, which is equivalent to 3 months without working.

A fellow townsman indicated that he had a channel and could guarantee the financial strength of the recipient. I joined several townships.

Xiao Hu recalls.

The loan recipient, Mr. Li, said from time to time that friends of Erdos in Beijing wanted to put some money in, but he did not accept it. "The money of acquaintances is enough, and collecting strangers' money is also risky."

Local banks have a lot of money.

Why are private lending so active in Ordos?

A local developer explained: "there is no way that banks can not borrow money from private lending."

MS Tung, a loan guarantee agency, also said: "even qualified small and medium sized enterprises, from the bank loan is also more difficult, because the bank's loan amount is basically used up."

When the black coal at the foot of Ordos turned into "black gold", it suddenly attracted the attention of several banks.

China Merchants Bank (11.57, -0.09, -0.77%), Huaxia Bank (10.44, -0.07, -0.67%), CITIC Bank (4.60, -0.04, -0.86%) have been stationed, and an old worker who worked for 10 years in a state-owned bank Ordos branch told reporters that "many new banks come in to dig for 500 thousand yuan annual salary, but only if they can complete the collection task can they get the full amount of pressure."

The reporter learned from the financial office of Dongsheng District, Ordos City. As of the end of July, the balance of the foreign deposits of the Ordos City bank was 193 billion 46 million yuan, of which the deposit balance in Dongsheng district was 112 billion 512 million yuan. In the same period, the amount of bank loans in Ordos City was 180 billion 684 million yuan, of which the loan amount in Dongsheng district was 114 billion 878 million yuan.

From the above data, it is easy to see that the loan amount in Dongsheng district is larger than the deposit amount and the capital is most active.

The famous economic commentator, ye Tan, thinks that Ordos is a city with large capital and huge investment demand. The cash flow here is much higher than that of the average city.