民企融资难、融资贵？浙江司法如何破题

Core Viewpoint - The article discusses the challenges faced by private small and medium-sized enterprises (SMEs) in financing, highlighting the role of judicial systems in regulating financing costs and the nature of local financial organizations [1][2]. Group 1: Judicial Actions and Financial Cases - In 2024, the Zhejiang provincial courts received 200,400 financial cases, an increase of 40,500 cases or 25.34% from the previous year [3]. - The two most common types of financial cases were private lending disputes and financial loan contract disputes, accounting for 64.37% and 19.63% of the total cases, respectively [3][4]. Group 2: Private Lending and Financial Organizations - Private lending has emerged as a solution to the financing difficulties faced by SMEs, but it has also led to various forms of regulatory evasion due to increased scrutiny on high-interest loans [4][5]. - A specific case involving a technology company and a private financing service center revealed issues with high service fees and overdue interest rates, prompting judicial intervention to reduce excessive charges [5][6]. Group 3: Regulatory Framework and Financial Costs - The Zhejiang courts aim to address the financing challenges by regulating the fees charged by financial institutions, ensuring that they do not impose unreasonable costs on borrowers [7][8]. - The courts emphasize a balanced approach, encouraging new financing models while also preventing excessive costs and financial risks [7][8].