Wind direction changed, the interest rate bank loan Hurricane

 Wind direction changed. New Year, has been enjoying a 10% interest rate to float downward quality customers who bank suddenly found that the

recently the central bank reverse repo emergency, overnight, 7-day repurchase rate soaring and so are suggesting the tightening market funds face than the market expectations, at the policy, but the amount of corporate funding requirements of both strong tightening background, the bank loan is the interest rate Southern Reporter learned yesterday investigating the past, the bottom line to central bank policy interest rates fall 10% benchmark of quality competition for the phenomenon of corporate clients basically disappeared, lower 10% of the loans, which now has 5% interest rate to float downward is the bottom line.

discount compared to their shrinking quality customers affected more small and medium enterprises, some amount of tension in the joint-stock banks to the level of SME loan interest rates go up even more than 100%.

development of the four-line minimum floating rate loans 10%

had large state-owned media quoted a department official message bank balance, bank credit lines in January have been put completed. To ensure credit limit is not exceeded, the head office has issued a document requiring branches to raise lending interest rates. The general guiding principles are: to exit the sex industry, in the benchmark lending rate 45% floating rate basis; access to the sex industry in general, loan interest rates in the benchmark interest rate by about 30% based on the float; corresponding modest increase access to the sex industry lending rate ; indeed been approved for the head office level of quality customers, a maximum ratio of loan rates to fall to 5%. Southern reporter from the China Construction Bank and Bank of China, the credit manager of a Guangzhou branch office confirmed that the current implementation of standards for the four lines are similar.

Shenzhen Branch of the Ministry of the company, a bank manager, told reporters on the South are. The Construction Bank, Guangdong Branch, insiders told reporters that the bank development loan is only a background of large-scale high-quality real estate central level distribution, the development of small and medium real estate developers want to get credit is almost impossible. Development loans have interest rates soared from 10% last fall to go up 10%.

capital of Guangzhou, a large head of real estate developers, told reporters that the four major state-owned commercial banks in January to the company development benchmark interest rate loans go up 10%.

reporter learned from the part of the joint-stock banks, even some small and medium enterprises can achieve housing development loans, interest rates are generally higher than benchmark interest rates go up 20% or even 30% higher. Some banks identified the development of high-quality customer lending rates benchmark interest rate in accordance with the implementation.

a considerable number of commercial banks participated in the

-> small business loan interest rate up to double

reporters also learned that interest rates rose faster in the SME loans.

CITIC Bank Guangzhou Branch official said, the bank loans to SMEs were based on previous years, the average floating interest rate of 23% to perform, but the bank rate of new lending this year, down 30% over last year. The Guangzhou Branch of China Minsheng Bank official said, SME loans, the interest rate will be floating rate deposits, as customers have contributed, whether the creation of intermediate business income, as appropriate for approval, but the maximum loan interest rates for SMEs can be doubled compared with the benchmark interest rate .


liquidity squeeze, so most customers will interest rates go up to a certain extent. up to 106.5%.

not only bank loans, private lending rate soared trend also emerged. According to report, private lending in Guangzhou last year, about 12% -13% per annum, has to 17% -20% level. Bankers, who declined to be named, pointed out that the tightening of bank credit in the beginning of the year due to lending structural imbalances. Amount of new loans this year, only 7 trillion yuan, an increase compared to the previous two years continued to decline, and some amount of infrastructure projects have been identified in previous years, the need to ensure supply, so the amount of other loan projects will be squeezed even more intense degree of .

Southern Reporter Jing-Jing Wang Li Heming

(This article Source: Southern Metropolis Daily)