Ji'nan city commercial interest rates rise to the top of the loan bargaining space increased
6 days of the Qilu Evening News, the first day of the 6 - day interest rate reduction, the banks have floated the interest rate, although the proportion of the floating rate is not consistent, but after the adjustment, the bank deposit interest rate has not been opened, which also reflects the abnormal bank drawing competition. Strong. After
the interest rate of many cities floating to the top
is different from the last "scramble", the asymmetric interest rate reduction, each bank should be relatively leisurely, all the households have made adjustments to the rate of deposit rate rise.
, as last time, the five largest state-owned commercial banks and postal savings banks of ICBC, agricultural bank, China bank, China bank, Bank of China, and postal savings banks continued to maintain the "same front".6 day, and several large banks adjusted their deposit within one year period. The one-year deposit rate was down to 3.25%, up to 8%, in line with the previous floating level. . But the difference is that several big banks have not adjusted the interest rate of the current deposit, and the benchmark interest rate 0.35%.
"compared to the interest rate of the current deposit, the customer is less sensitive to the interest rate." The provincial bank industry said.
in addition to the big banks, most joint-stock banks and some city firms form another camp. On the 6 day, joint-stock banks such as recruitment, Xingye, people's livelihood, Guangda and other city banks of Beijing all float 10% of the one-year deposit (including current) interest rate, of which the one-year deposit execution interest rate is 3.30%.
there is a kind of situation, such as Qingdao bank, Qilu bank, Tianjin bank, Rizhao bank and other city commercial banks, hang Feng bank, Bohai bank and so on.
Zhao Qingming, an expert on financial problems, said that although the interest rate of some commercial banks is more favorable, it is unlikely that the deposit from the large bank to the city commercial bank is not possible. After all, the big bank has obvious advantages, and has a huge network, high level of risk control and good reputation.
Loan negotiation space increases
"can bank loans be discounted?" Can you make a few discount? " On the 6 day, Mr. Shi, head of a food processing enterprise in Ji'nan, inquired about the price of bank funds everywhere. For a long time, the high cost of loans has been bothering his business.
this time, the central bank adjusted the lower limit of the lending rate range of financial institutions to 0.7 times the benchmark interest rate, allowing many small business owners like Mr. Shi to see hope.
cutting interest rates and expanding the interest rate of the loan interest rate, can it immediately benefit the enterprises? On the 6 day, the reporter learned from a number of banks in the provincial capital that in the process of promoting interest rate marketization, bank profits were also partially squeezed. With the further reduction of interest rates, banks did not want to offer too low interest rates to enterprises.
, however, bankers also admit that the current bargaining space for loans increases, and enterprises will raise more requirements for the price of funds. But when it comes to this kind of request, banks have different attitudes towards big enterprises and small and medium-sized enterprises.
"bank loan pricing is concerned with risk and return." When negotiating with large customers, the bank does not have much initiative in negotiating with the big customers. Even if the price of the loan is low, there are two main factors: on the one hand, the bank sees the comprehensive income of the large enterprise customers, even if the loan does not make money, but the large enterprise has a large scale of deposit and can also make the profit of the middle business. Compared with
, SMEs do not have much capital to bargain with banks. Because SMEs are more risky and lack of collateral, banks are going to float their lending rates. It is very difficult to get the benchmark interest rate.