Small and medium-sized companies are the most popular loans: 60% of the floating rate is very common

Financial weekly retail Banking laboratory researcher Li Wenshan Zhonghui/Wen a willing to play, a willing to get.　　Small and medium-sized enterprises and banks in the loan relationship between the performance of a bitter meat drama, and then look at the mortgage tension, I do not know whether this is counted. "SME loans is a bank preemption of a piece of fat, now more tension, small and medium-sized enterprises this piece of fat on the bank more fragrant." Customers are willing to bear higher interest on loans, and bank loans will certainly give priority to money-earning projects. In fact, the State only stipulates that they cannot hold high interest rates and do not say that they cannot lend at high interest rates.　　"Minsheng Bank Guangzhou branch of a senior SME loan manager Mr. Chen revealed."　　Minsheng Bank loans "ruthless" business lending and small and medium-sized enterprises, interest rate floating 20%-70% according to the Financial weekly reporter understand, people's livelihood, postal reserves, the CMB, and so on in the Pearl River Delta region to push SME loans or business owners related to the operation of loans, the extent of the rise in interest rates has been a Dongguan, a factory owner of clothing business told reporters: "In December this year, when the quota turned to be more tense, some companies to Minsheng Bank to apply for loan interest rate floating up to 100%." Because the money really need to turnover at that time, some business owners or the bank to apply for a loan. But in the recent interest rate floating space is slightly not so big, but I recently applied for Minsheng Bank's business lending rate also to float 40%.　　"As early as the end of last year, Minsheng Bank in Guangzhou, Dongguan, Shenzhen and other fields have ceased to apply for loans business or loans, in the personal loan amount and the promotion of business people almost all in its main push brand credit." "More than 10 million of the general loan will take the SME loan channel, the loan interest rate floating 20% to 70%; If the loan amount is below 8 million, the credit will be faster, because the business loan is actually the enterprise individual as the unit of the relevant indicators to audit and evaluation, so compared to take the SME loans faster. According to my current business, a large part of the loan annual interest rate is about 10%, the loan time is about 1 years, that is, under the current benchmark rate of floating about 60%, this situation is not only in Minsheng Bank, many banks, the situation is very common.　　Said the People's Bank of Guangzhou branch. Shenzhen Thai scented Rice Industry Co., Ltd. Mr. Xu told the Financial weekly Reporter: "Minsheng Bank is willing to provide us with no collateral or guarantee of loans." Because our company's golden round of rice in the major supermarkets sales are also good, but also the corresponding supermarket sales accounts receivable information, (People's livelihood) banks have mastered, so get loans more smoothly. "" In the past only to do personal business loans, now can also be in the name of the enterprise loans. Minsheng Bank Shenzhen High-tech Zone branch staff said, "We can provide the natural person joint guarantee loan, the related industry chain legal entity guarantee loan, the commercial tenant right mortgage loan, the Receivable account mortgage loan and so on, certainly below 2 million also mayWith a special guarantee company, more than 2 million can only do mortgage loans. "It is understood that third party guarantee companies must be designated by the relevant banks, and the charges vary."　　Minsheng Bank designated guarantee company charges are 2%-2.5% of the total loans, and China Merchants Bank and Societe Generale can be real estate mortgage and third-party security mix, the guarantee company charges are the guarantee of the amount of 3%.　　Postal reserve with "sufficient ammunition" for small and medium enterprises interest rate floating 20% Indeed, in the case of tight quotas, many banks have gradually turned to SME loans, but because of the change in loan quotas, "rapid changes", so interest rate fluctuations are also changing. Shenzhen branch of the Postal Reserve Bank said: "The current interest rate of the bank's commercial loans is 10%, but the policy change is very big, need to do the loan." "The 10% per cent rise in benchmark interest rates is surprisingly relative to other banks," he said. As the journalist expressed surprise, another staff member dramatically corrected: "It is now 15%, this Zhou change, 10% is last week's." "Many of the postal banks in the Pearl River Delta are pushing for business such as SME loans, because we do not have much to do in the mortgage business, so the amount is more than the other banks," said the president of the Postal Bank's Shenzhen branch. In the next day will be the main focus on some of the higher pricing capacity of the loan business categories, SME loans is one of the key. "Now we are giving small and medium-sized loans to the level of interest rate is about 15% to 20% of the benchmark rate, because interest rates are not very high, now more and more small and medium-sized enterprises have come to the door." But the future interest rate floating space is very big, will see the situation to the loan interest rate level to adjust.　　The head of the sub-branch said. Not only so more and more city firms in large cities to rob small and medium-sized enterprises this cake. such as the opening of March 25, Jiujiang Bank Guangzhou Branch, which mainly engaged in SME lending business. There is also going to enter the Zhanjiang bank in Guangzhou.　　Industry insiders said, such as Jiujiang Bank and Zhanjiang Bank similar to the city firm with ample funds. Loan property, settlement, deposit and so on to move to the bank to apply for loans. "In fact, many small and medium-sized enterprises now need capital turnover, some of my clients are the SME loans and business loans to the two types of loan application, even if the current loan rate is higher they also feel that the first to get the capital turnover, and then the interest should still be able to make money.　　Minsheng Bank credit staff said. And the Shenzhen Merchants Bank and CMBC SME loan person to the reporter disclosed: "Now is not the enterprise has the real estate mortgage and so on the related thing bank will accept its loan application, we generally will ask the customer to put some with its supplier or the customer's trade, the settlement business all must put to the bank which applies for the loan to handle, Once the bank agrees to its loan, it will try to transfer the business or its individual deposits to the bank that applies for the loan. "The director of electronic equipment in Dongguan said:" Now who does not know the bank loan interest rate is very high, if not to be used for businessHelp to expand production and so on, how could it be so stupid to apply for a loan in such a tense situation. I have seen many enterprises after the loan business benefits are not as high as expected, there is insolvency, and finally closed down. "Now there are a lot of banks are doing SME loans, the importance of much higher than before." But why do small and medium-sized enterprises shout financing difficult, not because banks do not want to lend, but because the interest rate is too high, there are many small and medium-sized enterprises are difficult to accept. Said the director of electronic equipment.