深圳多家银行经营贷最低利率“涨价”

Core Viewpoint - The article discusses the recent increase in the minimum interest rate for business loans backed by real estate in Shenzhen, which has risen to 2.35% annually, reversing a previous low of 2.2% [3][5][6]. Group 1: Interest Rate Changes - The minimum interest rate for business loans in Shenzhen has increased to 2.35% annually, with some banks previously offering rates as low as 2.2% [3][5]. - Local banks have confirmed that the current rate of 2.35% is now considered the industry consensus lower limit, with further reductions deemed unlikely due to regulatory concerns [7][8]. - The Shenzhen Banking Association has emphasized the need for a stable financial ecosystem, discouraging excessively low interest rates and promoting responsible lending practices [8]. Group 2: Business Loan Strategies - With interest rate competition limited, banks are shifting their focus to loan amounts and collateral ratios, with some banks offering up to 80% of the assessed value as loans [8][9]. - Certain banks have increased the maximum loan amounts available, with some products now offering up to 1 million yuan, significantly higher than previous limits [8]. - A few banks have paused the acceptance of corporate business loans, redirecting resources towards personal business loans due to risk management considerations [9].