北京地区，经营贷利率最低降至2.35%！

Core Viewpoint - The personal business loan interest rates in Beijing and Shenzhen have decreased to a minimum of 2.35% as of January 1, 2026, indicating a trend of declining loan rates in the market [1][2][3]. Interest Rate Adjustments - In Beijing, a bank has lowered its personal business loan interest rate from a previous minimum of 2.40% to 2.35%, effective January 1, 2026, with the requirement that this rate applies to new customers [2]. - The interest rates for personal business loans in Beijing currently range from 2.35% to 2.55%, depending on big data assessments, with the last reduction occurring in the fourth quarter of 2025 [2]. - In Shenzhen, banks have also set the minimum personal business loan interest rate at 2.35%, requiring borrowers to have a company and property [3]. - In Fujian, the interest rates for personal business loans range from 3.00% to 4.00%, but can be as low as 2.60% with certain discounts [3]. Future Trends - The trend of declining personal business loan interest rates is expected to continue, influenced by the downward movement of the Loan Prime Rate (LPR) [4]. - Analysts predict that the central bank may implement a new round of interest rate cuts in the first quarter of 2026, which would further lower loan rates for businesses and residents [4]. - The People's Bank of China has committed to maintaining a moderately loose monetary policy in 2026, aiming to keep the overall financing costs low [4].