< p > recently, the people's Bank of China announced that the lending rate control of financial institutions should be completely liberalized, and the lower limit of 0.7 times the lending rate of financial institutions should be abolished. Financial institutions should independently determine the level of loan interest rates according to commercial principles.

Does the central bank abolish the lower interest rate of bank loans? Does it bring benefits to small and medium enterprises? Does that mean that the financing cost of enterprises will be reduced? < /p >

< p > reporters understand that at present, SMEs in Dongguan are generally unable to borrow money from banks because they have no collateral. Even if they can afford loans, interest rates often go up to 30%~60%.

Yesterday, reporters interviewed a number of small and medium enterprises in Dongguan, enterprises have thought that it is difficult to change the bank loans in short supply and small and medium-sized enterprises do not have the problem of physical mortgage loans, is not expected to bring too much impact.

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< p > < strong > the central bank abolished the lower limit of interest rates. Many banks have not yet made any adjustment. < /strong > < /p >

< p > yesterday, our reporter inquired about four major banks, including Bank of China, agricultural bank, industrial and Commercial Bank of China and Construction Bank, and the official website of Bank of Dongguan, Ping An Bank and China Everbright Bank.

In the loan interest rate column, the official website has not yet been adjusted, with the data updated in July 6, 2012. The 6 month lending rate is 5.6%, 6 months to 6% a year, and 6.15% from one to three years.

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< p > for this reason, a person in a bank in Dongguan analyzed yesterday that on the one hand, the reform policy of the central bank was announced on Friday. After the announcement, it was on the weekend, and banks could not adjust. On the other hand, the loan interest rate was not aimed at all customers. "According to different enterprises, the interest rates given by banks are different."

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< p > < strong > small and medium-sized enterprises: there will be no obvious effect for the time being < /strong > < /p >

< p > when the central bank's loan interest rate reform policy was learned, Luo Qinghua, the head of a knitting enterprise in Nancheng, held that the role of the policy was "not obvious for the time being".

Luo Qinghua's main business is a target= "_blank" href= "//m.pmae.cn/" > textile > /a > product export. Every order from the receipt to the refund usually takes 3~6 months, so often need loan capital turnover, loan interest is usually above the benchmark interest rate, the interest paid to the bank every year is calculated in millions of yuan.

However, Luo Qinghua's company has been lucky compared with many small and medium enterprises in Dongguan: owing to the fact that he built his own factory in early years and had a physical mortgage, he could borrow money from the bank.

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< p > Chen Yaohua, honorary president of Dongguan Textile Industry Association, said that for the vast majority of textile enterprises in Dongguan, the main reason for the loan difficulty is that there is no collateral.

Many enterprises do not have factories, and equipment is also difficult to make mortgages. Banks do not welcome old equipment and calculate depreciation rates.

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< p > "when banks do not meet the loan requirements, many enterprises have to turn to small loan companies with higher financing costs and even private lending."

Chen Yaohua analysis pointed out that even if a small number of enterprises can borrow money from banks, interest rates generally float 30%~60%.

Chen Yaohua believes that after the implementation of the central bank policy, it is not expected to have a big impact on Dongguan's textile enterprises and even small and medium-sized enterprises.

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< p > < strong > industry: if the amount is tight, small enterprises will not enjoy interest rate discount < /strong > < /p >

< p > yesterday, an insider analysis of a Dongguan branch of a state-owned commercial bank pointed out that the loan share of small and medium enterprises loans in the bank has not been very large. Since last year's guarantee industry "Hua Ding" case happened, the proportion of small and medium enterprises loans has been even lower.

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< p > "large enterprises can borrow hundreds of millions of loans at a time, which is worth the loan amount of dozens of small businesses, and the bank loans to big enterprises and small businesses are almost the same, and they are more willing to lend to large enterprises."

The personage introduces, and big business bargaining power is strong, "high quality enterprises enjoy interest rate concessions is also very natural."

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< p > "it is inevitable that the interest rates of small businesses will go up, which is inevitable, especially at the time when the amount is tight."

The analysis pointed out that small businesses are unlikely to enjoy very low interest rates in the future.

"If interest rates are too low, banks would rather not."

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