In extensive network Beijing on July 27 message (Chang Ting of Gao Qingxiu of reporter of exercitation of reporter Ding Fei) the sound that occupies China " news late height " report, last week 5, the Central Bank announces, unlock control of interest rate of financial orgnaization loan in the round, cancel loan interest rate 7 break floor level, financial orgnaization determines level of loan interest rate independently according to commercial principle. Policy begins to apply from July 20, to today (27 days) , a week of as it happens.
Good business of this benefit be thinkinged " financing is difficult " the policy of the problem, in time of this a week, whether to allow a company especially did small small company feel real change truly? After policy untie a person, where is the movement that why doesn't bank oneself see interest rate is reduced tardy again? The reporter interviewed the —— of 4 kinds of delemodern dining chairsgates in eddy respectively today is big bank respectively namely state-owned 4 big travel, medium small bank, big company ends for instance look forward to, and small small company. The bank of different dimensions and different position and enterprise, on loan financing problem, some of what kind oharrison hot spring dealf bewilderment and a painful topic to have after all?
Dialog one: Delegate of small small company, medium Pei Zhibin of manager of limited company of contest international business affairs
Pei Zhibin: Even if is to reduce 30% , the likelihood is a few big companies, they can enjoy the privilege of interest rate possibly, the word of small company still cannot give so tall privilege. At present the word for is relatively small commercial bank, they are opposite for conditional requirement may not be so slashing. Include the word of interest rate, can discnorth face shirtsuss with them, if borrowing money through the bank, it is to you one goes up tone for example hundred how many bits little, the possibility that leaves surplus commonly is less.
Reporter: That generally speaking does the company go seeking a bank? Does silver-colored still guild look for an enterprise actively to talk?
Pei Zhibin: General is the company goes seeking a bank.
A word comments on: News analyst of finance and economics foliaceous wingceltis: If small small proprietor of an enterprise passes folk leasehold and contented run requirement basically their, 80, 90% it is to pass kin friend, folk leasehold the capital problem that will solve them, the bank is actually small to China the development of small company, giving aid to is insufficient really. north face shirts
Dialog 2: A controller of big company delegate, center look forward to that does not wish to disclose a full name
Reporter: Big company loan is to seek state-owned bank commonly, do not give 4 big?
Controller of center look forward to: We should say to build long-term cooperation with him now more, when resembling financing, also be the bank will look for us for the most part.
Reporter: Bank basis last week the policy of 5, a week comes down now, can you find apparent change?
Controller of center look forward to: The change here is little, feelibrass faucetng of it doesn't matter, it has conduct a process, we still have an interest rate privilege, next float 10% .
A word comments on: News analyst of finance and economics foliaceous wingceltis: Large like these company has him normally the business that company of group finance affairs also is doing outward investment, the interest rate of the bank is rising is to fall, to them not be too big question.
Dialog 3: Zou Guohua of president of some subbranch of a bank of city of Wuhan of big bank delegate, industrial and commercial bank
Reporter: Is prospective a week moved on the likelihood or drop?
Zou Guohua: Interest rate of our travel itself is not high, probably of our interest rate making is according to you the risk of this enterprise spends those who will decide, top interest rate also won't exceed 30% , namely at 6 o'clock a few, we had dropped now. Drop the hundred interest rate of 4 also has. Although industrial and commercial bank is big bank, before basically isthe most popular north face shirts to become big client, but also basically also have a technological process that serves technically for medium and small businesses two this years. Profit we do not care about this respect. Small small financing is difficult the credit system that basically is small small company is not perfect, information asymmetry. Bank not dare loan, the 2nd is cost tall, cause cost of small small company tall is not a bank it is the finance company on the place.
A word comments on: News analyst of finance and economics foliaceous wingceltis: Big bank basically is to face big company, if be big bank,go doing medium anorton internet antivirusnd small businesses, so the problem that it basically faces is system of cost risk pilot too tall, this one big bank still was not done good now.
Dithe most popular watch casesalog 4: In grand of peaceful of small bank delegate, Zhejiang commercial bank Fang Zhongbang of president of some subbranch of a bank
Fang Zhongbang: The market of whole bank locates even if do the business of small miniature, head office of whole peaceful dragon door all also with respect to 6689, if want to exceed this 5 million loan, the possibility that become is not very big. The requirement that they get on to capital, the a bitth want speed namely fast, the 2nd can be mixed above interest rate can go to the lavatory above formalities a bit.
Reporter: Central Bank interest rate reduces this a week in, does bank interest rate have reduce?
Fang Zhongbang: Since early, we feel this business door has this intentional interest rate to go up can a bit more favourable, we had done this a lot of interest rate to go up reduce.
A word comments on: News analyst of finance and economics foliaceous wingceltis: Resemble bank of trade of the Xiaoshang in these, if borrow money to medium and small businesses, the first, its scale will be too large, risk cannot the palm accuses; The 2nd, want to be able to go administration is changed.
Today, national statistic bureau announces a figure, 1 to June, business of industry of countrywide dimensions above achieves profit total two thousand five hundred and eighty-three billion six hundred and sixty million yuan, than last year the corresponding period grows 11.1% , but ai want modern dining chairst the same time fall after a rise of month of increasing ratio 1-5 1.2 percent. Go up somehow, small small company is the new power that prospective industry expthe best selling watch casesandthe best spring pools, but enterprise " financing is difficult " the settlement of the problem looks now, also not be an easy thing. Future still has more jobs want to do.
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