年末深圳多家银行经营贷最低利率“涨价”，已回升至2.35%

Core Viewpoint - The minimum interest rate for business loans backed by real estate in Shenzhen has unexpectedly increased to 2.35% annually, reversing a previous low of 2.2% [1][2][7] Interest Rate Changes - As of December 23, the lowest interest rate for real estate-backed business loans in Shenzhen is now 2.35% annually, up from a previous low of 2.2% [1][2] - Banks have indicated that 2.35% is now considered the industry consensus lower limit, with further reductions likely to breach regulatory thresholds [2][7] - The trend of decreasing interest rates for business loans has been halted due to regulatory warnings against excessively low rates, prompting banks to adopt more prudent lending strategies [2][7] Business Loan Scope and Strategy - Some banks, such as China Resources Bank, have suspended the acceptance of corporate business loans, focusing instead on personal business loans [1][6] - The competitive landscape is shifting from interest rates to loan amounts and collateral ratios, with banks now emphasizing these factors to attract borrowers [4][9] - The maximum loan-to-value ratio for business loans is currently around 80%, with some cases reaching 90%, although the latter is rare [10] Loan Amount Adjustments - Banks are increasing the maximum loan amounts for business loans, with institutions like China Merchants Bank and Zheshang Bank offering up to 1 million yuan and 5 million yuan respectively [5][10] - The adjustment in loan offerings is primarily driven by risk control and structural adjustments, as banks are becoming more cautious in their lending practices [5][10] Regulatory Context - The Shenzhen Banking Association has introduced a self-regulatory convention aimed at promoting high-quality development in inclusive finance, emphasizing the need for market order and responsible pricing [3][8]