Bank interest rates on savings are lower than the inflation rate – and many multiples lower than the rates promised by the informal sector. Default rates in the informal sector are high, and lenders may disappear with depositors’ money, as happened in Wenzhou.
而从储蓄者的角度看，参与民间金融部门也是个理性的选择。正式银行储蓄利率不但赶不上通胀率——甚至比民间集资者承诺的利率还要低许多倍。民间部门的默认利率都相当高，而且正如温州所发生的那样，集资者也会携款潜逃。但尽管存在这些风险，投资民间金融市场依然要比存银行更加划算。