下降约55个基点

Core Insights - The average weighted interest rates for new corporate loans and personal housing loans in April were approximately 3.2% and 3.1%, respectively, reflecting a decrease of about 50 basis points and 55 basis points compared to the same period last year [1] - Current interest rates are at historical lows, and the central bank has expressed its commitment to further reducing borrowing costs through enhanced execution and supervision of interest rate policies [1] - The overall financing costs in society are trending downwards, supported by recent adjustments in structural monetary policy tools and a reduction in the policy interest rate to a low of 1.4% [1] Group 1 - The central bank's recent actions indicate a strong determination to stabilize the economy through monetary policy [1] - The World Bank's survey shows that China's financial service efficiency ranks among the best globally, with only 7.7% of surveyed enterprises perceiving high loan rates or complex loan procedures [1] Group 2 - To address the discrepancy in perceptions of financing costs between banks and enterprises, the central bank initiated a "comprehensive financing cost" disclosure project, which has proven effective [2] - While interest costs are low, the key to further reducing overall financing costs lies in lowering non-interest costs such as collateral fees and intermediary service fees [2] - Financial institutions are encouraged to improve service quality, while enterprises should enhance their creditworthiness and internal management to reduce non-interest burdens [2]