The loan interest rate of small and micro enterprises is much higher than the benchmark interest rate, and some even approach or exceed the benchmark interest rate of banks, while the interest rates of microfinance companies and rural banks are even 3-4 times the benchmark interest rate. Private financing costs are higher, with a monthly interest rate as high as 30%.

The annual interest rate of short-term loans is 4.35%

The annual interest rate of medium and long-term loans within one year (including one year) is 4.75%.

The annual interest rate for one year to five years (including five years) and above is 4.9%.

Provident fund loans for less than five years (including five years) 2.75%

More than five years, 3.25%

At present, 85% of large enterprises in China can get benchmark interest rate loans, but only 20% of small and micro enterprises can get benchmark interest rate loans. The loan policy for small and micro enterprises needs to be improved.

If there is a demand for capital turnover, we recommend you to use Qianhua, a credit service brand under Du Xiaoman Finance (formerly known as Baidu Qianhua, renamed as "Qianhua" in June 2065438+08). Big brands are reliable, with low interest rates and trustworthy. The money is spent-full of easy loans, the maximum loan amount is 200 thousand, and the daily interest rate is as low as 0.02%

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It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest and expenses, and strong security.

If the money spent is not enough or there is no limit, it is recommended to try the following two platforms, which are also relatively formal licensed financial institutions! The audit is relatively less strict!

360 IOUs, with a maximum loan of 200,000!

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Staging music can be borrowed up to 50 thousand!

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