Not only do loans in the informalmarket tend to be small but interest rates are also high - borrowers can pay as much as 40-50 per cent a year.
非正规市场不仅贷款规模往往较小，同时利率也很高——借款者一年可能会支付高达40%至50%的利息。
2
Some “new” loans also represent a shift to the formal banking sector from off-balance sheet vehicles and from the informal loan market which flourished when credit quotas were in place.