Once visiting Shanghai and Shenzhen personal business loans: annualization generally enters the "3" era, which can be as low as 3.3%

Individual industrial and commercial households, small and micro enterprises are the basic cells of the national economy. As of the end of last year, the country's registered individual industrial and commercial households had reached 103 million, accounting for about 2/3 of the total market entity.

Under the epidemic, national policies have continuously supported banks to reduce fees, helping enterprises to relieve and support small and medium -sized business. On July 13, the relevant person in charge of the central bank disclosed that as of the end of June, the balance of inclusive micro -loan increased by 23.8%year -on -year, which was 12.6 percentage points higher than the growth rate of various loans. The number of people awarded the small micro -awarded households was 52.39 million, a year -on -year increase of 36.8%.

In addition to the "increment" of the loan, the reporter found that the main body of small and micro markets such as individual industrial and commercial households, small and micro enterprises can obtain loans from lower interest rates than before.

In the investigation of the reporters of the small and micro enterprises in Shanghai and Shenzhen, it was found that personal operating mortgage loans applied as a personal name, used to solve the borrower (including individual industrial and commercial households, small and micro enterprises, etc.) The RMB loan with normal funding demand is currently entering the "3" era, such as some banks in Shenzhen to 3.7%; this interest rate in Shanghai can reach 3.3%.

For the reduction of such loan interest rates, Su Xiaorui, senior analyst of the financial industry, told reporters that on the one hand, commercial banks actively respond to the spirit of supervision and actively help industry companies. The loose situation has laid a good foundation for fully supporting the real economy.

Reporters visited Shanghai and Shenzhen: The interest rate of one -year business loan in large banks dropped to 3.3%

Recently, each reporter interviewed a number of banks in Shanghai, including large state -owned banks, shares, and urban commercial banks. It has changed the interest rate of personal operating mortgage loans before and after the epidemic, and the current interest rate level investigates.

The survey found that some state -owned banks, their first -year personal operating mortgage interest rates were 3.3%, and the lowest three -year period was 3.6%.

The reporter learned from a certain branch of the Bank of China that the bank's personal business loan was the minimum of 3.3%to 3.6%, which basically met the requirements to apply for 3.3%.

At the level of small and medium -sized banks in Shanghai, through interviews with many different stock banks in Shanghai, it is found that the personal operating mortgage interest rate of various banks has basically lowered it before and after the epidemic. %, The epidemic was adjusted after the epidemic.

The reporter learned from several shares that some banks mentioned that the interest rate of personal operating mortgage loans is based on pre -approval stars, and different collateral methods of one pledge and two pledge changes, and interest rates are different. Under the premise of reaching four -star and five stars in advance, the minimum interest rate for one mortgage is about 3.6%and 3.7%. Several data are similar, and they can be given between 3.6 ~ 3.8%.

Visiting the Bank of Shenzhen, personal loan interest rates are generally in the 3rd era.

"We are currently at the lowest interest rate of 3.65%." When asked about mortgage loans, a customer manager of a branch of a certain branch in Shenzhen, Guangfa Bank, said that there are two repayment methods for personal operating mortgage loans of the bank, one is a 3 -year preemptive interest rate. The post -edition is a 5 -year equal repayment. In addition, for the ten -year and twenty -year mortgage loans, the customer manager said that "the amount is 10 years, and the bridge must be passed every 3 or 5 years." When asked about the loan quota, the manager said that he needed to need it. Take a look at the business license and real estate certificate, "You need to issue it to the evaluation company evaluation."

It is understood that the bank's annualized interest rate of the mortgage business loan product last year was 3.85%, and "the start of 3.65%of the policy this year." At present, the bank's mortgage interest rate is at a lower level in Shenzhen. In addition, during the visit, the reporter found that the minimum operating mortgage interest rate of many banks in Shenzhen was 3.7%, and the procedures could be approved for two weeks.

According to the recent news of the People's Bank of China Shenzhen Municipal Center Sub -branch, in 2022, the People's Bank of China in Shenzhen According to the "Notice on Promoting the Establishment of Financial Services Small and Micro -Enterprise Dare to Loan the Loan Loan Council" Enterprise financial services promote the increase in financing, expanding, and price reduction of small and micro enterprises. As of the end of May 2022, the balance of Shenzhen Pratt & Whitney micro -loan was 1.31 trillion yuan, an increase of 20.9%year -on -year; the number of credit small loans of inclusive micro -loan was 1.227 million, an increase of 21.16%. In the first five months of 2022, the average interest rate of the new inclusive small loan in the city decreased by 0.32 percentage points from the average level of the year in 2021.

Policy guide banks to reduce fees for profit

Su Xiaorui said that since 2022, the factors led by the epidemic have brought strong disturbances to the macro environment, which has brought about the impact on the economy, especially the impact on the small and micro subjects is more significant than in 2020. Under the above background, the Banking Insurance Regulatory Commission issued the "Notice on Further Doing Financial Services and other financial services such as an impact of an epidemic affected by the epidemic" in June 2022. From increasing credit support, making continuous financing arrangements, appropriate improvement of non -performing loans tolerance, etc. In terms of, it has put forward work requirements for corresponding financial services such as those in the trapped industry.

In the above documents, the supervision has put forward the relevant requirements for incremental expansion of commercial banks, that is, the "two increases" goals of inclusive small and micro enterprise loans. "In this case, commercial banks are more considering how to complete the specific working indicators in the regulatory documents and how to bear more social responsibilities to reduce their fees for small and micro -subjects, not their own profit." Su Xiaorui said. The reporter learned that in late May, the central bank also had the problems of increasing difficulties in some industries in response to the current impact of the epidemic, as well as inadequate internal vitality in financial institutions and inadequate external incentives and constraints. "Notice of Enterprise Dare to Loan the Loan Loan Council" (referred to as "Notice"), in order to further deepen the structural reform of the supply -side financial services of small and micro enterprises, accelerate the establishment of a long -term mechanism, and focus on improving the service of small and micro enterprises to serve small and micro enterprises in services of financial institutions. The willingness, ability and sustainability to help stabilize market entities, stabilize employment and entrepreneurship, and stabilize economic growth.

"Properly put loan pricing permissions to improve the efficiency of financial services in branches. For small and micro enterprises affected by the new crown pneumonia's epidemic, encourage phased interest rates and service charges for stages, reduce penalties, and reduce the burden on difficult enterprises. "Notice" as requested.

In addition to the guidance of supervision, in January of this year, the 1 -year LPR and LPR above 5 years lowered 10 basis points and 5 basis points respectively; in April, financial institutions had a comprehensive reduction of 0.25 percentage points; in May, LPR above 5 years or above Restrive 15 basis points again.

It is worth noting that in order to better allow the real economy, the bank has continuously adjusted the deposit interest rate and carried out cost management while lowered the loan interest rate. In April of this year, domestic banks have lowered the three -year large -scale deposit interest rate, and the adjustment range is about 10bp. For example, the three -year large deposit bill of Shenzhen ICBC was reduced from 3.35%to 3.25%.

On July 13, Ruan Jianhong, director of the Department of Investigation and Statistics of the People's Bank of China, said at a press conference of the New National Office that in the first half of this year, my country's credit structure continued to be optimized. As of the end of June, the balance of inclusive micro loans increased by 23.8%year -on -year, compared with each, compared to each The growth rate of item loans is 12.6 percentage points higher. Zou Lan, director of the Division of the People's Bank of China, said that in general, the quality and efficiency of the real economy of financial services have further improved, and inclusive micro loans continue to maintain a "increase, expansion, and price decline."

Regarding how to help enterprises to relieve and support the development of small and medium -sized enterprises in the next step, Zou Lan pointed out that the People's Bank of China will strengthen cooperation with departments such as development and reform, finance, and business information, and continue to implement policies. Industry enterprises, especially small and micro enterprises, support the development of bailout development, jointly boost the confidence of market entities and help stabilize the macroeconomic market.

(Intern Wang Xinzheng also contributed to this article)

Daily Economic News

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