浙江温州10月民间融资综合利率环比下降0.65%

Core Insights - The comprehensive financing interest rate index in Wenzhou for October 2025 is reported at 12.88%, showing a month-on-month decrease of 0.65% and a year-on-year decrease of 2.15% [1] - The total financing amount in October was 1.773 billion, reflecting a month-on-month decrease of 57.14% and a year-on-year decrease of 3.98% [1] - The number of transactions in October was 5,541, with a month-on-month decrease of 62.52% but a year-on-year increase of 14.79% [1] Financing Structure - In October, small-scale financing (below 1 million) accounted for 64.02% of the total, medium-scale financing (between 1 million and 5 million) accounted for 16.84%, and large-scale financing (above 5 million) accounted for 19.14% [1] - The proportion of medium-scale financing decreased by 13.80 percentage points month-on-month, while small-scale and large-scale financing proportions increased by 8.31 and 5.49 percentage points, respectively [1] Interest Rates - The financing interest rate for market entities in Wenzhou was 15.49%, showing a month-on-month decrease of 1.23 percentage points [1] - The direct lending rate was 10.06%, with a month-on-month increase of 1.11 percentage points [1] - The financing guarantee fee rate was 0.25%, reflecting a month-on-month decrease of 0.14 percentage points [1] Financing Terms and Uses - The highest interest rate for a one-year term was 23.24%, while the lowest for a six-month term was 11.20% [2] - One-year term transactions dominated, accounting for 80.13% of the total [2] - The primary use of financing was for business loans, with proportions of 87.38% for business loans, 11.84% for bridge financing, and 0.78% for personal consumption [2] - The financing distribution across industries included 73.01% for other industries, 18.49% for manufacturing, 4.89% for agriculture, 3.36% for services, and 0.25% for real estate [2]