以下文章来源于财联社资管视界 ，作者邹俊涛 财联社资管视界 . 财联社倾力打造的金融、资管、FICC资讯和投研平台，为广大金融从业者和投资者提供电报、独家新闻、精选资讯、重大事件点评、深度报道、研究报 告等。 年末本该"开门红"冲业绩，但深圳多家银行经营贷最低利率却在意外回调。 12月23日，财联社记者从深圳多家银行了解到， 目前深圳市场房抵经营贷利率最低均已为2.35%（年化）起。此前部分银行的房抵经营贷 利率曾一度低至2.2%，但据记者了解，这些银行的定价也已回升至2.35%。 一家银行相关业务部门负责人表示，"目前年化2.35%为深圳经营贷最低利率水平"。上述人士进一步表示，此前行业曾出现过利率更低情 况，但已被叫停。 12月22日，财联社记者向当地相关部门咨询本地经营贷自律下限最新情况，得到的回应为"银行根据商业自主原则自行确定"。 值得注意的是，不仅最低利率在回调，个别银行的业务范围也在收缩。华润银行深圳分行相关人士今日向记者确认，该行目前已暂停受理企 业经营贷，仅继续开展个人经营类贷款业务。 深圳经营贷最低利率回升至2.35% 今年11月中旬，深圳地区银行经营贷利率继续"卷"出行业新低引发市场关注 ...

智通财经12月23日讯（记者 邹俊涛）年末本该"开门红"冲业绩，但深圳多家银行经营贷最低利率却在 意外回调。 12月23日，智通财经记者从深圳多家银行了解到，目前深圳市场房抵经营贷利率最低均已为2.35%（年 化）起。此前部分银行的房抵经营贷利率曾一度低至2.2%，但据记者了解，这些银行的定价也已回升 至2.35%。 一家银行相关业务部门负责人表示，"目前年化2.35%为深圳经营贷最低利率水平"。上述人士进一步表 示，此前行业曾出现过利率更低情况，但已被叫停。 12月22日，智通财经记者向当地相关部门咨询本地经营贷自律下限最新情况，得到的回应为"银行根据 商业自主原则自行确定"。 值得注意的是，不仅最低利率在回调，个别银行的业务范围也在收缩。华润银行深圳分行相关人士今日 向记者确认，该行目前已暂停受理企业经营贷，仅继续开展个人经营类贷款业务。 深圳经营贷最低利率回升至2.35% 今年11月中旬，深圳地区银行经营贷利率继续"卷"出行业新低引发市场关注。据公开媒体报道，珠海华 润银行深圳地区工作人员表示，该行经营贷利率下调至2.2%。 今日下午，智通财经记者咨询珠海华润银行深圳分行相关人士，对方表示，目前该行的个 ...

Core Viewpoint - The recent trend of decreasing interest rates for business loans from various banks, including China Merchants Bank, is aimed at reducing financing costs for small and micro enterprises, while also targeting quality customer segments [3][11][12]. Group 1: Interest Rate Trends - China Merchants Bank has introduced a promotional business mortgage loan with an annual interest rate as low as 2.7%, available until September 30 [4][5]. - Other major banks, such as Industrial and Commercial Bank of China and Jiangsu Bank, have also launched business loan products with interest rates reaching or falling below 3% [2][6][7]. - The competitive landscape has led to some banks offering business loans with interest rates as low as 2.2% for certain products [6]. Group 2: Loan Product Characteristics - The business mortgage loan from China Merchants Bank offers a maximum limit of 20 million, with a repayment period of up to 20 years [5]. - The approval process for these low-interest loans is more stringent compared to consumer loans, requiring businesses to meet specific criteria such as maintaining a good credit status and providing operational data [9][10]. Group 3: Market Dynamics and Policy Influence - The decline in business loan interest rates is influenced by both policy guidance aimed at lowering financing costs for the real economy and competitive market pressures [11][12]. - The current monetary policy remains accommodative, with measures like reserve requirement ratio cuts providing banks with lower funding costs, allowing for reduced loan pricing [11]. Group 4: Risks and Strategic Considerations - The trend towards lower interest rates may lead to increased credit risk as banks seek to expand their customer base, potentially impacting asset quality [15]. - Experts suggest that banks should innovate financial products and focus on effective market demand to balance business expansion with asset quality [17].

Core Viewpoint - The recent decline in business loan interest rates below 3% among various banks reflects a competitive pricing strategy driven by weak credit demand and the search for quality assets [1][2]. Group 1: Interest Rate Trends - Several major banks have reduced business loan rates, with some products now available at rates as low as 2.4% [2]. - The average interest rate for small and micro enterprises has fallen below 3% [2]. - Banks are engaging in a price war, with state-owned banks and joint-stock banks leading the way in lowering rates to attract clients [2][3]. Group 2: Loan Approval and Monitoring - Banks are increasingly emphasizing the monitoring of loan fund flows, focusing on genuine business operations and purposes [4]. - There is a tightening of loan approval processes, particularly for businesses without substantial operational history [3][4]. Group 3: Competitive Strategies - In response to low-price competition, banks are diversifying their services to enhance customer relationships and increase overall revenue [5]. - Banks are shifting from a singular focus on business loans to providing comprehensive solutions that address broader business challenges [5][6]. - Regulatory bodies are advocating for improved pricing strategies and risk management to prevent excessive competition [5].

Group 1 - Major commercial banks are shifting their focus to micro and small enterprise operating loans, with several banks offering annual interest rates of 3% or lower for these products [1][2] - Among state-owned banks, the Bank of Communications offers significant advantages in personal operating loans, with a maximum limit of 10 million yuan and a minimum annual interest rate of 2.2% [1] - China Construction Bank has launched various microcredit products targeting specific industry segments, with interest rates as low as 3% [1] Group 2 - In the joint-stock bank sector, China Merchants Bank's mortgage operating loans are notable, with rates starting at 2.3% and a maximum limit of 20 million yuan [2] - Jiangsu Bank also actively participates in this market, offering mortgage operating loans with a maximum limit of 20 million yuan and an interest rate as low as 2.5% [2] - Analysts suggest that the competition among banks to lower operating loan rates is a temporary marketing strategy responding to macroeconomic policies [2][3] Group 3 - Experts emphasize the importance of differentiated competition for banks to attract micro and small enterprise clients, suggesting three key directions: scenario-based services, technology empowerment, and building a service ecosystem [3] - The need for banks to balance customer contribution and risk pricing is highlighted, with recommendations for enhancing customer experience through digital platforms and expanding non-credit financial services [3] - A dynamic risk control system is recommended, including tiered pricing based on customer credit ratings and industry conditions, as well as thorough monitoring of fund flows [3]