浙江温州4月民间融资综合利率环比上升2.08%

Core Insights - The Wenzhou Comprehensive Financing Rate Index for April 2025 is reported at 13.87%, reflecting a month-on-month increase of 2.08% and a year-on-year decrease of 0.60% [1] - The total financing amount in April reached 318,097.95 million, with 6,934 transactions, marking a month-on-month increase of 22.75% in financing amount and 53.65% in transaction count, while year-on-year figures show a decrease of 21.54% in financing amount and 16.18% in transaction count [1] - The structure of financing amounts indicates that small loans (under 1 million) accounted for 44.08%, medium loans (1 million to 5 million) for 38.07%, and large loans (over 5 million) for 17.85%, with large loans decreasing by 20.90 percentage points month-on-month [1] Financing Rates and Terms - The highest interest rate for a one-month term is 21.19%, up from 20.43% in March, while the lowest for a one-year term is 11.25%, an increase from 9.35% in March [2] - One-year loans dominate the market, accounting for 69.69% of transactions [2] Financing Purposes and Sector Distribution - The primary use of financing in Wenzhou is for business loans, with the distribution being 0.63% for personal consumption, 88.9% for business loans, and 10.47% for bridge financing; business loans saw an increase of 18.98 percentage points month-on-month [2] - Sector-wise, financing is allocated as follows: agriculture 4.6%, services 7.16%, manufacturing 31.52%, real estate 2.59%, and other industries 54.13%, with manufacturing seeing a decrease of 5.12 percentage points month-on-month [2]