The main reason is that monthly interest at the state-run pawnshop (0.7 %) is far below that at private ones, and the rules are sometimes more flexible. The redemption period for gold or diamonds is six months at the state-run firm, but only three months at private shops (after which the pawnshop is free to sell the collateral).
主要是公營當舖月息（0.7％）遠較民營為低，典當條件也比民營優渥，如黃金、鑽石類，公營當舖的押期是 6 個月，民間當舖只能押 3 個月，3 個月不付息贖回就流當。