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The so-called preferential interest rate refers to the interest rate that is lower than the general loan interest rate for specific loan objects.It iscapitalist countryDetermine the base interest rate of other interest rates.Capitalist commerceBanks generally only offer preferential interest rates to their large and reputable industrial and commercial customers.The preferential interest rate is the same among all medium-sized and above banks in China.In the American financial history, before 1947, the preferential interest rate was relatively stable. Later, the preferential interest rate was affected by the competition of commercial paper in interest rate and the supply and demand of all bank credit, and the number of changes increased.American Commercial BankThe change of the preferential interest rate generally first occurs in the banks in New York, and then spreads to all parts of the country.[1]
Chinese name
preferential interest rate
Foreign name
Prime Rate
Purpose
Stimulate production in these sectors
Role
Realizing the adjustment of industrial structure and product structure
Preferential is one countryInterest rate systemAn important part of.The commercial banks in western countries will grant grants to those enterprises with the highest credit standing and in a favorable competitive positionshort-term loanThe hourly income is lower than that of other enterprisesInterest rate levelOfinterest rate。Collected from other customerslending rateOn the basis of preferential interest rate.Therefore, the preferential interest rate is the benchmark for determining the interest rate of other enterprises. The difference between the interest rate of other enterprises and the preferential interest rate basically reflects the additional risk costs borne by other loans.
form
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preferential interest rate[2]Form ofeverythingcentral bankFor departments, industries and products that need to focus on development, lowerlending rate, executed by commercial banks;
Second, the bills of departments, industries and products that need to be developed are relatively lowRediscount rate。Preferential interest rates are oftendeveloping countryUsed.
loan
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In the history of the United States, preferential interest rates have been relatively stable. Since December 1947, preferential interest rates have changed frequently.When the capital supply of the bank is greater than the demand for capital, the commercial bank will reduce its preferential interest rate, otherwise it will increase the preferential interest rate.In the People's Republic of China, in order to encourage the development of certain industries, and taking into account the affordability of certain regions, industries and enterprises, banks offer certain loans that are lower than similar loansInterest rate gradeThe interest is calculated and settled and adjusted with the adjustment of deposit and loan interest rates.Enjoy a discountlending rateLoans ofTechnical transformation loanForeign trade export product purchase loan, grain, cotton and oil loan, welfare factory loan of civil affairs departmentOld, young, border and poor areasThere are 22 kinds of 4 kinds of economic development loans.In addition, some loan projects can also be given preferential treatment in terms of interest calculation methods.For example, for general loans, the bank adopts the interest calculation method of quarterly carry over, while for technical transformation loans, it adopts“The profit follows the cost”To postpone the interest payment time of the borrower and reduce theInterest expense。
Basic impact
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Interest rateThe main factors affecting the interest rate are capitalMarginal productivityOr capitalrelation between supply and demand。In addition, there are also the length of time for committing to deliver the currency and the commitmentriskThe degree of.Interest rate policy is westernmacroscopicmonetary policyIn order to intervene in the economy, the government can adjust indirectly by changing the interest ratecurrency。staydepressionDuring the period, reduce the interest rate, expand the money supply, and stimulateeconomic development。In the period of expansion, the interest rate will be raised, the money supply will be reduced, and the malignant development of the economy will be suppressed.therefore,interest rateIt has a great impact on our life.interest rateIt is the price paid by the borrower for the money borrowed from him, and also the return obtained by the lender for delaying his consumption and lending to the borrower.The interest rate is usually one yearinterestAndprincipalPercentage calculation of.
Latest report
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scarcity of money”The effect caused the tension of bank funds, and many banks deliberately slowed down the pace of credit.The increase of restricted loans in real estate and infrastructure is almost zero, and the loan application of old customers and high-quality customers has correspondingly lengthened the loan delivery cycle.
Many famous people in BeijingMortgageinterest rateThe discount was cancelled, everything was according tobenchmark interest rateThe loan period is more than one month.A bank in Shenzhen will even consumelending rateIt also rose by 30%.
In fact, compared with large banks, small and medium-sized banks are more affected by the "money shortage".
From the end of May to the beginning of June, bank lending increased too fast, leading to the early use up of the quota.Now the bank can only be in a "semi loan suspension" state in terms of approval.At the same time, the approved loans may also be unable to release due to the shortage of bank funds."We want toPing An BankThe 100 million yuan development loan applied for has passed the examination and approval, but has not been released. "The reply from the bank is "stop lending".[3]
