深圳个人经营贷利率低至2.35%，仍低于1年期LPR65个基点

Core Viewpoint - The competition in the personal business loan market among banks is intensifying, with interest rates dropping below 3%, and the lowest reported rate currently at 2.35% in Shenzhen [1][2]. Group 1: Market Trends - Several banks in Shenzhen have reduced their personal business loan rates, with reports indicating that the lowest rate was previously 2.2%, but this product has been discontinued [1]. - The current minimum interest rates for personal business loans are 2.35% from multiple banks, including Zhuhai Huaren Bank and Everbright Bank [1][2]. - The interest rates for personal business loans are now below the one-year Loan Prime Rate (LPR) by 65 basis points, with the current one-year LPR at 3% [2]. Group 2: Bank Responses - Banks are competing for quality clients due to insufficient effective credit demand, leading to further reductions in rates beyond the LPR [2]. - Personal business loans are categorized as inclusive finance for small and micro enterprises, prompting banks to lower rates to meet assessment tasks for these loans [2]. Group 3: Regulatory Environment - The Shenzhen Banking Association has issued a self-regulatory convention aimed at promoting high-quality development in inclusive finance, emphasizing the need for market order and management of pricing and credit behaviors [3]. - The convention includes commitments to support small and micro enterprise financing, establish pricing mechanisms, and reduce overall financing costs [3].