Moreover, the household debt ratio figure obtained in the study is only reflects the total amount of credit that the household sector obtains from financial institutions. In fact, many Chinese households borrow money from private sources including relatives and friends, creating a large amount invisible loans.
除此之外，中国家庭债务率只是统计了家庭部门从金融机构获取的信贷总额，而中国家庭还有不少包括向亲戚朋友借钱在内的民间借贷，存在大规模隐性债务。