浙江温州8月民间融资综合利率环比上升1.63%

Core Insights - The Wenzhou Comprehensive Financing Rate Index for August 2025 is reported at 14.22%, reflecting a month-on-month increase of 1.63% and a year-on-year decrease of 1.47% [1] - The total financing amount in August reached 3.383 billion, showing a month-on-month increase of 51.29% and a year-on-year increase of 71.24% [1] - The number of transactions in August was 9,617, with a month-on-month increase of 49.19% and a year-on-year increase of 174.54% [1] Financing Structure - In August, small-scale financing (below 1 million) accounted for 49.09%, medium-scale financing (between 1 million and 5 million) for 29.66%, and large-scale financing (above 5 million) for 21.25% [1] - The proportion of medium-scale financing decreased by 6.51 percentage points month-on-month, while small-scale and large-scale financing proportions increased by 5.29 and 1.22 percentage points, respectively [1] Interest Rates - The financing rate for market entities in Wenzhou was 17.61%, reflecting a month-on-month increase of 2.43 percentage points [1] - The social direct lending rate was 9.30%, showing a month-on-month decrease of 0.31 percentage points [1] - The financing guarantee fee rate was 0.34%, with a month-on-month decrease of 0.07 percentage points [1] Financing Terms and Uses - The highest interest rate was for short-term financing at 28.24%, while the lowest was for financing over one year at 9.78% [2] - One-year financing dominated the market, accounting for 79.17% of transactions [2] - The primary use of financing was for business loans, with proportions of 86.22% for business loans, 13.58% for bridge loans, and 0.20% for personal consumption [2] - Financing distribution across industries included 60.98% for other industries, 26.67% for manufacturing, 6.97% for services, 3.66% for agriculture, and 1.72% for real estate [2]