Cancel loan interest rate 0.7 times floor level
Profit is very big company, big bank, but not flavor company borrows money easily
Evening Central Bank announces to unlock control of interest rate ovancouver to harrison hot springsf financial orgnaization loan in the round yesterday, cancel interestfree watch case rate of financial orgnaization loan the floor level of 0.7 times. To this, analyfree norton internet antivirussis of industry public figure thinks, symbolic significance is more than this action actual, have signal effect only. Makings is short-term inside loan interest rate is fixed, but meeting profit is very big enterprise and big bank, and the gain space of small bank in the part can be hit pressure, predicting meeting causes the negative effect of 2% to profit of bank net profit.
Bank big client can ask to lower interest
"The limitation that unlocks floor level of loan interest rate has been anticipated by the market, it is the one pace that interest rate commercializes, the Central Bank can realize interest rate to commercialize slowly in the future, " business of round-the-world market of constant unripe China is in charge of Huang Weihong to be oppositeNew wall bulletinThe reporter expresses, "The bank can choose the venture of loan by oneself, profit is very big company, big bank. Profit is very big company, big bank..
Huang Weihong expresses, small silver-colored guild has pressure more in, because unlock floor level of loan interest rate hind, a few high grade enterprises or state-owned big company can ask to lower interest; To big bank, have enough deposit, not big to its influence. And what depend on big client partly is medium small bank, can be forced to lower interest, more adverse its develop.
The bank that start line of business is presiding economist Lu Zheng appoint also express, interest rate is commercialized be helpful for the main body with negotiation powerful force, do not have an influence to interest rate of other principal part. Chief economist land holds out area of big China of beautiful Yin Meilin to also be analysed, true can benefit from benefit from cancels interest rate the enterprise of 0.7 times floor level will be very few, the center look forward to that seldom counts possibly only, state-owend enterprise is met with comparing lower in the past cost, obtain loan.
Chinese foreign currency invests academy dean Tan Yaling to think further, abolish control of loan interest rate, it is easy to do not mean an enterprise to obtain loan. Its express, this is the two-way choice of bank and enterprise, the business with good quality, company with strong capability can get loan, conversely not certain.
See advantage for a long time at reducing company capital cost
"Short-term inside, the bank won't reduce loan interest rate, because reputation is good, the big company with strong actual strength in the market not much. Look for a long time, if realize loan interest rate to commercialize, loan interest rate depends on risk state, fund condition and saving interest rate, by integrated element decision. " Huang Weihong expresses.
The sea connects negotiable securities chief analyst Jiang Chao shows macroscopical bond, see advantage for a long time at reducing company capital cost, short-term effect is finite, already can hit before this 7 fold, but 90 ％ loan of bank still implement fiducial above interest rate.
"Unlock floor level of loan interest rate, it is the signal that Central Bank interest rate commercializes merely, mark Central Bank goes further on the road that interest rate commercializes, but without materiality meaning. " have bank loan department vise general manager expresses likewise when accepting reporter of new wall bulletin to interview: "Because the Central Bank before this allows lowest of housing loan interest rate to be able to fall,come 7 fold, but actually the bank also is to be able to be hit merely 8.5 lose privilege, put lower limit of pardon money interest rate, do not have too much and practical effect to business actually. Do not have too much and practical effect to business actually..
And chief economist makes the same score traffic bank repeatedlbrass faucet aerator y citing data also evidence this, its express, from the point of loan interest rate, increase advantageous position first quarter average interest rate is little scope goes low, at present till, whole loan is standard interest rate rise is occupied compare or exceed 50% above, next float do not exceed 20% , the others is standard interest rate. brass faucet
The premise that saving interest rate unlocks is to build deposit insurance system
"What unlock this is loan interest rate, saving interest rate is unlocked also is hasten of general trends place. " Zhou Jingtong of researcher of Bank of China expresses.
"Unlock the premise of saving interest rate is deposit insurance systewatch case openerm to build. Manage a layer to be being built at present, looking is when to be fulfilled, once superintend system of insurance of layer establish deposit, saving interest rate can be unlocked. " Huang Weihong expresses, "Go up somehow for, the market had achieved saving interest rate commercialize, because at present product of conduct financial transactions is the limitation that does not get saving interest rate, the yield of product of conduct financial transactions of the bank before this is too high, silver-colored inspect can be pulled with high interest store will warn, but recently a year, silver-colored inspect can not publish such opinion on public affairs. " Huang Weihong expresses, go up somehow, superintendency layer is the rise that acquiesces in pair of saving interest rate, let a commercial bank commercialize an operation, get used to interest rate to commercialize. Enrol merchant bankLiu Xiaola of general manager of money market department expresses, unlock test and verify of loan interest rate the anticipation that commercializes to interest rate, unlock limitation of loan interest rate first, be in next after rolling out deposit insurance system, unlock saving interest rate stage by stage again.
Lian Ping points out, prospective saving interest rate is unlocked can advance ahead stage by stage, the interest rate that unlocks respect of big bank savings first for example is commercialized, short-term inside won't unlock entirely like loan.
Bank influence
Dozen press gain, cause 2% negative effects
"This is not hopeful in light of the profit of the bank to, can hit further contthe best selling watch casesrol bank profit airspace. " Huang Weihong expresses. Huang Weihong thinks, above all this year economic atmosphere not beautiful, had made rise somewhat to rate of bank bad Zhang; Superintend a layer next hit before this control shadow bank, had made reduce shadow bank scope to bank press press; Thirdly, superintendency layer also asks the bank returns to the asset outside the watch the watch inside, inside asset regression watch, be put borrow compared limitation, want high interest to draw deposit at the same time, make shrink to bank profit difference narrow; Its 4, after loan interest rate is unlocked, big company can want to reduce interest, the proi want modern dining chairsfit of the bank also decreased.
Chief analyst Luo Yi also points out the negotiable securities that enrol business, increase the float interval of interest rate, it is the work that the Central Bank pushs continuously all the time. Of this loan interest rate open accord with anticipate, but saving interest rate did not change, make the market disappointed. The anticipation of the market before this is more radical, and this act compares the Central Bank dovish, for this pair of markets, it is to be equivalent to only " boots be born " . Predicting meeting causes the negative effect of 2% to profit of bank net profit. Yesterday, bank whole drops about 2% , or it is the market foreknows somewhat.
Research also expresses, advance what commercialize as interest rate stage by stage, money market competes aggravate, difference of banking high interest will be afterwards hard, gain ability faces major test. Predict to appear on the market this year difference of bank only interest drops smaller than last year 15 base point, pull profit of small net profit to add fast about 5 percent, become profit of bank net profit to add fast the mainest reason that drops apparently.
Expert comment
Li Daxiao: Short-term interest rate won't bring concussion sex influence
Flower Li Daxiao of director of institute of old negotiable securities releaseswatch cases small gain comment to say, this is a major policy change, showed the Central Bank commercialized reform to step sturdy one pace to real interest rate adequately, but the influence that estimate pair of short-term interest rate and won't bring concussion sex, the metabolic more of the materiality that causes interest rate is changed according to the tight situation of capital.
Yin Zhongli: Profit is good medium and small businesses, profit is very small bank
Yin Zhongli of vice director of lab of money market of institute of finance of company division courtyard expresses, cancel control of loan interest rate to be able to make medium and small businesses easier obtain loan, be helpful for satisfying their financing requirement, profit is very small bank.
Yin Zhongli expresses, unlock control of interest rate of financial orgnaization loan in the round, interest rate float can let more in crossing capital to configure medium and small businesses, be helpful for business development, will for a long time to the stock market tell have positive effect, but, won't get effect instantly, it is a kind of slow kongfu.
Short-term tell, he thinks, not big to influence of stock market whole, this action is helpful for those who enlarge a bank putting loan interest difference, benefit good bank, especially the net assets yield of small bank can promote, the share price that waits for small bank to bank of the people's livelihood has the front to spur action.
Zun Xiaolei: Short-term inside won't reduce loan interest rate
Galactic negotiable securities is presiding president adviser Zun Xiaolei thinks, short-term inside financial orgnaization won't reduce loan interest rate.
Zun Xiaolei expresses, abolishing interest rate control is the premise that interest rate commercializes, because this abolishs lower limit of loan interest rate,be a significant progress but insufficient still. At present upper limit of saving interest rate was not unlocked, this means the price ability to financial orgnaization to still did not constitute a challenge. Short-term inside financial orgnaization also won't cogent reduce loan interest rate.
Shen Jianguang: Interest rate is faced with to drop considerably after interest rate is commercialized
Shenyang of chief economist of Asia of lucky spic negotiable securities builds light to express, the biggest risk after interest rate is commercialized is how to face period of low interest rate, yield may be lower and lower. Include deposit, if immobile word, deposit may be a first-rate investment tool.
He expresses, what after interest rate is commercialized, be faced with is interest rate drop, the saving interest rate that is not concern of a lot of people can rise. He thinks, the Chinese economy that sees at present, its experience a transition really, from in the past the fast growth of 10% , to now 7.5% have the feeling of bit of most likely, henceforth is 6.5% , this kind of profit that increases horizontal business even lower, those who be faced with is to connect shrink, produce can adjust, structural adjustment, easily experience adjusts neither one country this kind. Below this kind of environment, interest rate level, if true interest rate commercializes a likelihood,still can be faced with drop considerably. Just have greater progress space to product of conduct financial transactions so.
Sun Lijian: Bank but small profits but quick turnover
Sun Lijian of assistant dean of college of Fudan University economy expresses, unlock control of loan interest rate to mean reform of our country finance to be pulled open prelusively, also accord with " the connotation of Li Kejiang economics " , to the bank, it is good luck and challenge coexist.
Sun Lijian expresses, interest rate of our country loan commercializes already substantial existence, partial big company is borrowing money ability of bargain of interest rate respect already special strong. This the Central Bank unlocks control formally, it is OK henceforth to mean a bank favourable geographical position of be perfectly justifiable changes loan interest rate to undertake management an activity with difference. To a few " high grade " client, the bank can be adopted " small profits but quick turnover " means, will expand oneself business.
In addition, unlock control of loan interest rate to still derive ecbolic finance the innovation of the product, "Interest rate has wave motion to be able to have a risk, the risk can have the demand of avoid risk. " Sun Lijian says, this also is a good luck to the bank.
So, unlock control of loan interest rate to you can appear the client's circumstance is attracted between the bank through low interest rate? Sun Lijian expresses to this, this kind of possibility is not large, if use this kind of means really, what be damaged finally is him bank. He expresses at the same time, superintendency orgnaization will produce bigger effect henceforth, change " control " for " superintend " , although the change of one word but very important, superintendency orgnaization should provide fair environment to the bank, make a bank benign compete.
Sun Lijian is mentioned, unlocking interest rate control is the characteristic of Li Kejiang economicsthe most popular selling norton internet antivirus----Aggrandizement market, loosen control, improvement to furnish. Go 10 years, the governmthe most popular north face shirtsent is overmuch to market intervention, interest rate is decided by the Central Bank, decide by the enterprise without too much thing on the market. So, unlocking control is the position of market main body that regains a business substantially. (Ma Long)
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