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温州民间融资二季度综合利率为13.56%
Xin Hua Cai Jing· 2025-07-24 12:03
Group 1 - The core viewpoint of the articles indicates that Wenzhou's private financing market is experiencing fluctuations in transaction volume and amounts, with a notable increase in the number of transactions but a decrease in the total financing amount in Q2 2025 [1][2] Group 2 - In Q2 2025, Wenzhou recorded 19,275 private financing transactions, representing an 11.43% increase quarter-on-quarter [1] - The total amount of private financing transactions was 8.194 billion yuan, showing an 18.14% decrease quarter-on-quarter [1] - The comprehensive interest rate for private financing in Wenzhou was 13.56%, which is a 0.39% increase from the previous quarter [1] Group 3 - Small-scale financing (under 1 million yuan) dominated the transaction volume, accounting for 90.45% of the total, with a 6.09% increase in its share quarter-on-quarter [1] - Medium-scale (1 million to 5 million yuan) and large-scale (over 5 million yuan) financing accounted for 8.51% and 1.04% respectively, with their shares decreasing by 5.66% and 0.43% quarter-on-quarter [1] Group 4 - The interest rates for small, medium, and large financing were 3.90%, 6.26%, and 11.09% respectively, with medium and large financing rates increasing by 2.38% and 1.70% quarter-on-quarter, while small financing rates decreased by 0.52% [1] Group 5 - Credit financing constituted 73.47% of the total, which is a 4.2% decrease quarter-on-quarter, while guarantee, factoring, and mortgage financing accounted for 14.95%, 3.88%, and 7.70% respectively [2] - Guarantee and factoring financing saw increases of 2.97% and 2.39% quarter-on-quarter, while mortgage financing decreased by 1.16% [2] Group 6 - The primary purpose of financing remained operational loans, which accounted for 89.29% of the total, reflecting a 2.71% increase quarter-on-quarter [2] - Bridge financing and personal consumption financing made up 10.36% and 0.35% respectively, both showing declines of 2.45% and 0.26% quarter-on-quarter [2] Group 7 - The interest rates for operational loans, bridge financing, and personal consumption financing were 4.25%, 21.12%, and 9.22% respectively, with operational and bridge financing rates increasing by 0.74% and 3.25% quarter-on-quarter, while personal consumption financing rates decreased by 3.57% [2]