下降约45个基点！

Group 1 - The new corporate loan interest rate in July is approximately 3.2%, and the new personal housing loan interest rate is about 3.1%, reflecting a decrease of around 45 basis points and 30 basis points compared to the same period last year, indicating a low interest rate environment [1] - The current low interest rates signal a relatively abundant credit supply, making it easier and more cost-effective for borrowers to obtain bank credit, supported by multiple interest rate cuts since 2018 [1] - The central bank has expressed its commitment to maintaining economic stability through monetary policy, having lowered the policy rate to a historic low of 1.4% while also reducing the rates of all structural monetary policy tools [1] Group 2 - Many small and medium-sized manufacturing enterprises have reported that loan interest rates have halved from previous highs of around 6.5%, significantly impacting their profitability [2] - The decline in financing costs is expected to boost market expectations and expand demand, as evidenced by a technology company that applied for a loan to upgrade its production line after receiving a 20 basis point interest rate discount [2] - A recent World Bank survey indicates that China's financial service efficiency ranks among the best globally, with only 7.7% of surveyed enterprises finding loan rates high or procedures complex, comparable to New Zealand's 5.5% [2] Group 3 - Many regions are implementing trials for "explicit comprehensive financing costs for corporate loans," enhancing transparency in financing costs and reducing the burden on enterprises [3] - Previously, loan agreements often included hidden fees, but now all costs are clearly outlined, allowing businesses to understand the total financing costs upfront [3]