Empty Valley Finance Tan 2018-11-1810: 57: 25
When small and medium-sized enterprises apply for bank loans, in addition to the credit line, the second concern should be the loan interest rate. Almost all enterprises want their loan interest rate to be the lowest, but they know nothing about how banks determine the loan interest rate. Now, the empty valley will reveal this secret for everyone.
When large and medium-sized banks give loans to enterprises, the decision of loan interest rate is usually made in provincial and municipal branches, and it is also authorized to municipal branches. Under normal circumstances, the provincial branches of state-owned banks will give a lower limit and standard for interest rate implementation, and there is no requirement for the upper limit; However, some provincial branches of joint-stock banks will set a standard implementation interest rate, and then comprehensively consider various factors, allowing the implementation unit to add or subtract according to the situation. As far as I know, the current standards for banks to implement interest rates for small and medium-sized enterprises are: 10% for state-owned banks and 30% for joint-stock banks. With the government's policy of reducing the financing cost of small and medium-sized enterprises, perhaps this interest rate will fall.
Let's talk about the factors that affect interest rates. Excluding human intervention, the loan interest rate is mainly affected by the following factors:
The first factor that affects the loan interest rate is the financing scale. From the bank's point of view, the larger the enterprise scale, the larger the financing scale and the lower the loan interest rate.
The second factor that affects the loan interest rate is the guarantee method. Usually, the loan interest rate secured by mortgage is lower than that secured by guarantee, and the credit loan interest rate is the highest. From the perspective of risk mitigation, interest rate is the compensation for risk.
The third factor that affects the loan interest rate is the sales return. Banks are very concerned about the sales return of loan enterprises. If most of your sales returns are returned to the lending bank, then you will get a certain degree of loan interest rate discount from the bank compared with the non-lending bank.
The fourth factor affecting the loan interest rate is the "return" situation. The so-called "return" is to help complete other tasks of the bank, such as paying wages, keeping deposits, or buying insurance. Banks have many tasks, in short, they can help complete several tasks. The higher the degree of cooperation with banks, the more opportunities to enjoy preferential treatment.
The fourth factor that affects the loan interest rate is the interest rate implementation of other banks. For enterprises that borrow from many banks, banks often compare them horizontally. If the interest rate of your enterprise in other banks is not high, then the lending bank will not give you an interest rate that exceeds the industry average; On the contrary, if other banks have higher interest rates, then banks will also give you higher interest rates. Therefore, the interest rate of the first bank loan is of great reference to the interest rate of your future loans.
The above is the result of many years' banking experience in Empty Valley. For the loan interest rate, it is not that enterprises can only passively accept it, but that some factors can be controlled through the active operation of enterprises, so it is recommended that the majority of small and medium-sized enterprises.