浙江温州11月民间融资综合利率12.65% 融资需求大增

Core Insights - The Wenzhou Comprehensive Financing Rate Index for November 2025 is reported at 12.65%, showing a month-on-month decrease of 0.23% and a year-on-year decrease of 1.49% [1] - The total financing amount in November reached 4.65 billion, representing a month-on-month increase of 162.30% and a year-on-year increase of 30.26% [1] - The number of transactions in November was 11,390, with a month-on-month increase of 105.56% and a year-on-year increase of 104.05% [1] Financing Structure - In November, small-scale financing (below 1 million) accounted for 43.19% of the total, while medium-scale (between 1 million and 5 million) and large-scale financing (5 million and above) accounted for 35.58% and 21.23%, respectively [1] - The proportion of small-scale financing decreased by 20.83 percentage points month-on-month, while medium and large-scale financing proportions increased by 18.74 and 2.09 percentage points, respectively [1] Interest Rates - The financing interest rate for market entities in Wenzhou was 15.33%, showing a month-on-month decrease of 0.16 percentage points [1] - The social direct lending rate was 9.41%, with a month-on-month decrease of 0.65 percentage points [1] - The financing guarantee fee rate was 0.38%, reflecting a month-on-month increase of 0.13 percentage points [1] Financing Terms and Uses - The highest interest rate for a one-month term was 15.31%, while the lowest for a three-month term was 8.69% [2] - One-year term financing dominated, accounting for 76.12% of the total transactions [2] - The primary use of financing was for business loans, with proportions of 91.69% for business loans, 8.11% for bridge financing, and 0.20% for personal consumption [2] - Financing distribution across industries included 51.73% for other industries, 28.83% for manufacturing, 10.96% for services, 4.77% for agriculture, and 3.71% for real estate [2]