Ruifeng implements differentiated management. Customers with different properties may have different loan interest rates, but the ceiling is not 4 times higher than the central bank's benchmark interest rate. The lower limit is not less than 0.9 times the benchmark interest rate, and the monthly interest rate is generally 10.2 to 23.1 per thousand.

At the same time, according to the relevant regulations, the profits will not be paid dividends in principle in the first three years of operation, and the profits generated will be deposited in commercial banks as risk deposits of the company and not be issued as capital loans.

Then, Zhejiang and Wenzhou respectively issued the interim management measures for the pilot projects of small loan companies in Zhejiang and the guiding opinions on the operation of small loan companies in Wenzhou (Interim), and conducted pilot projects for small loan companies.

According to the relevant documents, the "11+5" incentive policy will be established. In principle, 1 small loan companies will be established in each county (city or district), which can be added to the pilot sites in 5 cities.

But the eleven pilot, five special places, the first batch of admission tickets up to sixteen, an enterprise strength contest started.

A large number of strong private enterprises, Guarantee Corporation and Vc firms compete for this huge "cake".

Known as the "wind vane of private enterprises", Wenzhou's "underground capital" accounts for 30% to 40% of the private enterprise's capital sources. The scale of Wenzhou's private finance is huge, accounting for 1/20 of the total national total. In addition, due to the recent decline in the stock market, the cold property market and the rectification of small and medium-sized coal mines, a large number of Wenzhou funds are beginning to return to the local area, and the amount will continue to rise.