The bank's bank operating loan interest rate and "threshold" at the same time reduced the annualized interest rate as low as about 3%

Reporter Peng Yan

Recently, the central bank has once again emphasized the accurate efforts of financial institutions, increased the support of inclusive small and micro loans, and supported the stable employment of small and medium -sized enterprises. In fact, since this year, with the decrease in LPR and a series of regulatory policies, many banks have strengthened the credit supply of small and medium -sized enterprises, and adopted multiple measures to reduce costs.

According to a reporter from the Securities Daily, many banks in Beijing have lowered operating loan interest rates. At present, the bank interest rate is up to 3%. In addition, the bank's loan review conditions for small and micro enterprises have also been adjusted. Some banks' loan managers said that in addition to lowering the operating loan interest rate, the bank also reduced the entry threshold for business loans.

Many industry experts said that since the beginning of this year, banks' measures in small and micro enterprises have continued to increase, but under the influence of factors such as epidemic, some small and micro enterprises have insufficient effective demand for loans. In the second half of the year, banks still need to continue to contribute to incremental credit, and at the same time, with the help of fintech to further improve the service quality and efficiency of small and micro finance.

Many banks in Beijing

Decrease operating loan interest rates

In recent years, the state has focused on the operation of small and medium -sized enterprises at the financial level, and supports the development of inclusive loan businesses including individual industrial and commercial business loans, small and micro enterprises operating loans. Recently, a series of financial bailout policies have gradually landed. For example, the Central Bank Monetary Policy Committee held a regular meeting in the second quarter of 2022 that structural monetary policy tools should actively do a good job of "addition", accurate efforts, increase the support for inclusive micro -loan, support the stable employment of small and medium -sized enterprises, and use it to use it. Good support for coal cleaning and efficient utilization, scientific and technological innovation, inclusive pension, transportation and logistics special re -loan and carbon emission reduction support tools, comprehensively apply to support the coordinated development of the region, guide financial institutions to increase support for small and micro enterprises, scientific and technological innovation, and green development Essence

The reporter learned that many banks in Beijing have recently lowered the operating loan interest rate. Among them, the mortgaged loan product interest rate has gradually reduced from the previous 4%to more than 3%. For example, the loan manager of a joint -stock bank introduced to reporters that the bank has repeatedly reduced the operating loan interest rate since this year. At present, the interest rate of loan loans in one to 5 years is 3.85%, and the loan interest rate of more than 5 years is 4.5%. This is this. This is 4.5%. The one -interest rate was 4.15%and 5.15%before the interest rate was reduced.

A state-owned bank staff said to reporters when introducing business loans that the loan interest rate is currently relatively low, mainly based on corporate operations and customers' qualifications to determine different interest rates. The bank's interest rate is 3.85%-4.35%.

Su Xiaorui, a senior analyst at the financial industry, told the reporter of the Securities Daily that there are a series of reasons behind the recent reduction of interest rates and relaxation audit conditions. For large uncertainty, in many places, the corresponding bailout policy has been introduced to support the financial support of the real economy, and the growth goals such as small and micro -loan -related first loan households and business scale are proposed; on the other hand The decline in interest rates of micro -loan provides support conditions. In addition, some financial institutions have been farming for a long time, and the improvement of risk control levels has also constituted supporting conditions.

In addition to the reduction of loan interest rates, banks have gradually reduced the threshold for business loans. Taking a joint -stock bank as an example, according to the bank's loan manager, compared with previously, the current application for operating loans not only canceled the company's shareholders' shareholding time, but also shortened the requirements for the establishment of the enterprise.

Since the beginning of this year, the regulatory level has frequently issued policies to guide financial institutions to further reduce the interest rate of medium- and long -term loans, reduce the cost of funds to promote the demand for corporate credit funds, and support the production and operation of enterprises.

Xue Hongyan, deputy dean of the Xingtu Financial Research Institute, said in an interview with the Securities Daily that since December 2021, the one -year LPR interest rate has lowered two BP twice, driving the average loan interest rate of the banking industry BP, small and micro loan interest rates also declined. In terms of quantity and price, the factors of quantity are insufficient effective demand is the main constraints of the current development of small and micro finance. Therefore, the focus of the next stage is to improve risk control capabilities and approval efficiency. The space and probability of reducing loan interest rates are not large.

Small and micro enterprise

Effective credit demand is still insufficient

With the successive implementation of various policies, banks' measures in small and micro enterprises are also increasing, such as innovative credit service models, continuous optimization of online approval channels, extension of repayment of principal and interest, reducing costs, etc. However, under the influence of the epidemic, some small and micro enterprises are still insufficient for the effective demand for loans. Industry insiders said that due to rising costs and decreased orders, small and micro enterprises have caused the problem of non -matching supply and demand to be prominent. In addition, their own ability to resist risks is weak, and the risk of credit default is still worth paying attention to.

A state -owned bank loan manager also told reporters that the current insufficient valid credit investment in banks is mainly affected by market demand. Since the beginning of this year, the national epidemic has been distributed more. Small and micro enterprises have faced problems such as decreased orders, decreased benefits, and rising costs. The profitability of enterprises has been weakened further.

China Merchants Bank President Wang Liang said at the shareholders meeting of the bank on June 29 that since this year, due to insufficient credit demand for credit, in order to increase credit, various banks have adopted a strategy of "reduction in price reductions", which has further intensified The situation of interest rate decline.

Looking forward to the second half of the year, how can banks continue to contribute to incremental credit and ensure that the "two increases" goal of inclusive small and micro enterprises loans? Xue Hongyan believes that the other side of the obtaining customer is limited, and it is difficult to push the loan business sinking on the premise of effective risk control. Therefore, the focus of increase is to make more articles on loan structure optimization and sinking business. For example, in terms of loan structure, actively optimize the risk control model to increase the proportion of credit loans and expand the border of loan business; in terms of customer structure, continue to improve the support for new citizens, individual industrial and commercial households, etc. Increase the tilt of the impact on the epidemic and the areas of underset was serious; in terms of business processes, we will give companies more attention to enterprises in terms of repayment arrangements and timely loans. "In the environmental adjustment environment of steady growth, the growth rate of small and micro loans may increase significantly in the short term." Xue Hongyan said that after the expansion, it will bring new risk control challenges in the short term, prompting bank risk control capabilities to gradually gradually graduate capacity Improvement, and the improvement of bank risk control capabilities provides support for the new round of expansion of the loan scale, so as to realize the dynamic balance between risk control and expansion.

Su Xiaorui suggested that the work of supporting small and micro enterprises is in place. First of all, technology help. At present, the development of fintech is in the ascendant. A review and other methods improve the efficiency of small and micro finance to save financing costs; the second is to deeply tap the demand of small and micro finance through the mechanism of list -formulating management and whitelist, and further improve the service quality of small and micro finance. The second is credit assistance. In recent years, my country's social credit environment has continued to improve, and the positive empowerment of credit construction on the real economy has been prominent. (Securities Daily)

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