A number of banks have recently introduced preferential interest rates for personal credit loans to invite quality customers.
"Ronge Loan" is an unsecured, unsecured and pure credit personal loan business launched by China Industrial and Commercial Bank for individual customers. Around the Spring Festival this year, many branches of ICBC announced that the annual interest rate of "financing e-loan" was 4.35%, even lower than individual housing loans. However, this activity is a white list invitation system, and local branches will screen customers according to the actual situation.
According to an insider of Shenzhen Bank, BOC also lowered the interest rate of personal credit consumption loans in the first quarter of this year, focusing on all stages of consumption, and the interest rate was mostly between 4.2% and 4.8%. However, a "white list" system has also been implemented, only for employees of government agencies, state-owned enterprises and financial institutions.
It is understood that China Merchants Bank has done two issues before promoting lightning loans, and the content of each issue is different. In the last activity, customers can get an appointment coupon with an annual interest rate of 3.78%, and the longest loan period is 6 months. For sunflower users whose daily average assets were between 50,000 (inclusive) and 5 million (exclusive) last month or last day (excluding stock market value); Customers must meet the establishment rules at the same time: customers who have established the amount before April 30, but the balance is 0, or customers who have newly established the amount during May 1 to June 15 and have no withdrawal record.
Previously, China Merchants Bank also launched a "10% discount coupon for lightning new borrowers". Customers who apply for a lightning loan on May 1 -25 and successfully obtain a lightning loan line (except pledge flash and scene flash) can get a 10% discount coupon, and the preferential interest rate is at least 5.04% of the annualized interest rate.
Rush sb. Be interviewed
The bank loan interest rate is low but the threshold is high.
Whether it is 4.35%, 4.2%, 3.96% or 3.78%, such interest rate is really attractive compared with personal credit consumption loans from other channels.
Ms. Zhang opened her Alipay and found that her "borrowing money" amount was 65,438+10,000 yuan, and the interest rate was 2.5% per day. The amount of gold bars in JD.COM is 200,000 yuan, and the daily interest rate is 2.5, which is roughly equivalent to the annual interest rate of 9. 125%, which is 2. 1 times of ICBC's 4.35% interest rate. The "micro-loan" on WeChat can be loaned to 200,000 yuan with a daily interest rate of 3, which is equivalent to the annual interest rate of 10.95%, which is 2.52 times that of ICBC.
Even if ICBC e-loan did not cut the previous interest rate by 5.6%, or the normal interest rate of China Merchants Bank's lightning loan to Ms. Zhang was cut by 6.48%, it completely killed the loan interest rates of all Internet platforms.
Judging from the recent promotion activities, banks do not treat all customers equally. Banks still prefer high-quality customers on their "white list", and many offers are only targeted push. Moreover, judging from the activity rules, these preferential interest rates are not provided to old users, but mainly for new households who have not made credit consumption loans.
Some insiders pointed out that from the marketing point of view, it can be understood that such a low interest rate is a kind of "first taste experience price", which makes customers who have not applied for loans before have greater interest and motivation to experience this product.
analyse
Banks' efforts in personal credit loans are not only to stimulate consumption, but also a strategic transformation.
Since the beginning of this year, affected by the COVID-19 epidemic, personal consumption loans have shrunk dramatically. According to the data of the central bank, from June 5438 to April, the short-term loans of residents with strong consumption only increased by 177 1 billion yuan, a sharp decrease of 3.610.40 billion yuan year-on-year. In May, residents' short-term loans rebounded, with an increase of 238,654.38 billion yuan in that month,10654.38 billion yuan more than last month and 43.3 billion yuan more than the same period last year.
Short-term loans rose steadily, reflecting the gradual recovery of household consumption. Yif Wang, chief banking analyst of Everbright Securities Research Institute, believes that with the effective control of the domestic epidemic and the introduction of measures to encourage consumption in various places, retail loans have shown obvious recovery growth in the past two months, and short-term consumer credit represented by credit cards has shown recovery growth.
In a recent professional report on bank retail, BOC International Securities also believes that in the medium and long term,
Li Wanfu believes that the recent increase in personal consumption loans is mainly due to the previous suppression of related demand. Affected by the epidemic, the cash flow of some users may be temporarily tight, and the non-performing rate of personal credit consumption loans will temporarily rise. However, the resumption of work and production is gradually returning to the situation before the epidemic, and the non-performing rate is still controllable.
However, some people in the industry are not optimistic about the performance of personal credit loans.
According to the general situation of the payment system in the first quarter of 2020 released by the central bank on June 9, as of the end of the first quarter, the total outstanding credit of credit cards overdue for half a year was 91875 million yuan, accounting for 1.27% of the credit balance payable by credit cards. At the end of last year, the total outstanding credit of credit cards overdue for half a year was 74.266 billion yuan, accounting for 0.98% of the credit balance payable by credit cards. Roughly speaking, this year 1-3 months, the half-year overdue total of credit cards increased by 65.438+07.609 billion yuan, and the bad debt rate increased by 0.29 percentage points.
Yif Wang, chief banking analyst of Everbright Securities, said that in the past two months, retail loans showed obvious recovery growth, and short-term consumer credit represented by credit cards showed recovery growth. However, the real estate market in many places has picked up, and the growth of housing mortgage loans is relatively better, basically returning to the normal growth of about 400 billion yuan per month. He believes that the recovery and growth stability of medium and long-term loans on the retail side is better than that of short-term consumer loans.
Q&A: What is the credit loan interest rate of China Construction Bank? China Construction Bank 202 1 credit loan interest rate is as follows: short-term loans. The six-month (inclusive) loan interest rate is 4.35%; The loan interest rate for six months to one year (including 1 year) is 4.35%. Medium and long-term loans. The loan interest rate for one year to three years (including three years) is 4.75%; The loan interest rate for three to five years (including five years) is 4.75%; The loan interest rate for more than five years is 4.9%. China Construction Bank, formerly known as People's Construction Bank of China, was established in June 1954+ 10/(later renamed as China Construction Bank on March 26th, 1 996). The head office is located at No.25, Financial Street, Beijing. It is a large state-owned bank managed by the central government and a national deputy ministerial unit. CCB's main business areas include corporate banking, personal banking and treasury business, with branches and subsidiaries in 29 countries and regions, and subsidiaries in many industries such as funds, leasing, trust, life insurance, property insurance, investment banking, futures and pension. China Construction Bank has a broad customer base, and maintains banking ties with many large enterprise groups and leading enterprises in China's economic and strategic industries, and its marketing network covers major regions of the country. 20 16 On June 30th, the British Banker magazine published the ranking of 1000 big banks in the world, and China Construction Bank ranked second. 20 17 February, brand finance released the list of the top 500 world brands in 20 17, and China Construction Bank ranked it 14. In 20 18, Fortune Global 500 ranked 3 1. 20 18 February, the "Top 500 World Brands of 20 18" compiled by the World Brand Laboratory was announced, and China Construction Bank ranked 203rd. July 20 19 was selected as the Fortune Global 500. "Belt and Road" China enterprises ranked 40th on the 100 list. 20 19 12, China Construction Bank was selected as the brand of 20 19 China Brand Power Festival 100. 20 19 12 18, People's Daily released the China Brand Development Index 100 list, and China Construction Bank ranked 25th. On June 4, 2020, 65438+ won the evergreen tree award of the 2020 Caijing "Sustainable Development Benefit Award". In March 2020, it was selected as one of the top 500 global brands in 2020 13. Personal housing loan business refers to loans issued by CCB or natural persons entrusted by CCB to purchase, build and overhaul various types of housing in Chinese mainland cities and towns. CCB's personal housing loan business mainly includes personal account housing loan and personal housing mortgage loan (including personal first-hand housing loan, personal second-hand housing loan, second-hand housing loan, personal commercial housing loan and personal housing mortgage loan). ), provident fund personal housing loans and personal housing portfolio loans. 20 14 10 10 started on October 9th. CCB supports the reasonable housing loan demand of residents' families. For families who purchase the first home by loan, the minimum down payment ratio of the loan is 30%, and the lower limit of the loan interest rate is 0.7 times of the benchmark loan interest rate. According to the borrower's purchase situation, credit history, repayment ability and other factors.