经营贷利率，回升！

Core Viewpoint - The interest rates for business loans in Shenzhen have decreased, with the lowest rate now at 2.35%, following the removal of a previously available 2.20% rate. This trend is driven by weak demand in the real economy and competitive pressures among banks [1][2]. Group 1: Interest Rate Trends - Business loan interest rates in Shenzhen have been declining, with current rates around 2.40% for new customers and 2.35% for some cases, down from previous levels of 2.60% and 3.00% [2]. - The lowest rate of 2.20% for business loans has been completely withdrawn from the market [1][2]. - The decline in interest rates is attributed to the weak demand for credit in the real economy, leading banks to lower rates to attract quality clients and assets [2]. Group 2: Regulatory and Market Influences - The assessment policies for inclusive small and micro-enterprise loans influence business loan rates, as loans to individual business license holders are included in this category, prompting banks to lower rates to meet regulatory targets [3]. - The Shenzhen Banking Association has issued a self-regulation convention to promote high-quality development in inclusive finance, emphasizing the need for orderly market practices and proper pricing mechanisms [4]. Group 3: Sustainability and Risks - The current low interest rates for business loans are deemed unsustainable due to the higher risks associated with these loans compared to consumer loans, which could lead to potential financial risks if maintained long-term [4]. - There are concerns regarding the risk of illegal loan transfers due to the significant differences in terms and conditions between business loans and housing loans, which could lead to financial instability for borrowers [5]. - Recommendations have been made for regulatory bodies to guide and standardize business loan interest rates to balance credit support for the real economy with financial risk prevention [5].