They are therefore happy to put money into informal channels that lend to cash-strapped young private companies that will pay 20-30 per cent a year to obtain it.

因此，他们乐于把资金投入非正规渠道，借给那些资金拮据的年轻私营企业，每年收取20%至30%的利息。

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State-run banks are often reluctant to lend to private companies that do not have the hard assets (such as land) or implicit government backing that State-Owned Enterprises (SOEs) enjoy.

FORBES: China's Alarming Risk Of Financial Instability

SharesPost, which is known for its website for buying and selling private company stock, is launching a new program to lend cash to shareholders in private companies in order for them to exercise their stock options.

FORBES: SharesPost Launches Lending For Startup Stock Options