Consumer loan interest rates, which have been falling since the beginning of the year, have begun to "step on the brakes". The reporter learned that some city commercial banks have recently adjusted the interest rate level of their consumer loan products, from the previous 1.0% to 0%. In addition, more bank adjustments will be made next month, and some staff members of major banks told reporters that the bank's consumer loan interest rate will be raised on 0 on 0; Some joint-stock banks also said that the preferential interest rate activities for consumer loans will end at the end of this month.
Previously, the consumer loan interest rates of many banks continued to fall on the basis of "2", and the consumer loan interest rates of some banks even "inverted" with the mortgage interest rates, and even some netizens on social platforms calculated using consumer loans to replace housing loans or financial arbitrage. The interviewee pointed out: "The increase in consumer loan interest rates can alleviate the pressure on bank interest margins to a certain extent, and at the same time, it also has the intention of guiding consumers to consume and borrow rationally, so as to avoid illegal inflow of funds into the speculative field." ”
Since the beginning of this year, under the background of policies to promote consumption and expand domestic demand, banking institutions have made efforts in consumer finance business by reducing interest rates and increasing quotas, among which consumer loan interest rates have fallen again and again, and many banks' consumer loan interest rates have been as low as 6.0%.
However, this downward trend in interest rates has now reversed. The reporter learned from the staff of the Bank of Beijing that the bank has just raised the interest rate of one of its consumer loan products, which was previously the lowest 3.0%, and has now been raised to 0%. The bank's staff said: "We also received a notice suddenly, and immediately raised the increase, and we didn't have time to notify the customer." ”
此外，还有多家银行的调整动作将于下月落地。例如，交行工作人员对记者表示，目前该行消费贷优惠利率调整完最低是3%，4月1日会上调。
有招行的工作人员在朋友圈发文称，该行某消费贷产品2.58%优惠利率有效期截至3月31日，4月利率将会提高。记者咨询了解到，下月优惠券数量将会减少，该贷款产品利率或将恢复至3.5%左右。另一位招行工作人员也同样提醒查看该产品利率券的有效期限，称“如果过期了之后可能就没那么容易获得”。
日前，平安银行个人贷款微信公众号发文称，某贷款产品优惠通道截至3月31日，券后年利率（单利）2.7%起，额度高达100万元，原年利率（单利）为3.96%～9.72%，系统定期自动发放对应优惠利率定价券至客户账户。
According to the data monitored by the Rong 5 Digital Technology Research Institute, in 0 and 0 months, the average minimum executable interest rate of online consumer loans of national banks was 0.0%, down 0BP month-on-month and 0BP year-on-year. At present, the consumer loan interest rate of most banks has been below 0%, and the consumer loan interest rate of some banks has even dropped to about 0.0%.
"It is worth noting that the decline in consumer loan interest rates will further squeeze profit margins, and may also cause the non-performing ratio of retail loans to rise, such as the risk exposure of long lending and capital misappropriation, which will increase the pressure on liquidity risk management," said the report of the Rong 360 Digital Technology Research Institute. ”
Wang Pengbo, a senior researcher in the financial industry at Broadcom Analysis, said that the interest rate of consumer loans is too low, and the further narrowing of the net interest margin of banks will affect the profitability of banks.
In Wang Pengbo's view, the adjustment of consumer loan interest rates by banks can not only alleviate the pressure on interest rate spreads to a certain extent, but also have the intention of guiding consumers to consume and borrow rationally, avoid the illegal flow of funds into the speculative field, and also prevent excessive interest rate reduction from disrupting the normal order of the financial market, so as to maintain the stability of the financial system.
The reporter noticed that some netizens on social platforms are planning to use consumer loans to replace housing loans or financial arbitrage. In this regard, a person from the retail department of a city commercial bank said frankly that "there is no need". On the one hand,Consumer loans are expressly prohibited from flowing into the property market, stock market and other fields, and once they are monitored by banks for illegal operations, they may face bank withdrawals； On the other hand, the lowest interest rates displayed by banks are not available to everyone, and mortgage interest rates have continued to fall in recent years, so there is not much room for arbitrage.
据悉，消费贷是促进消费的抓手之一，随着提振消费的相关政策陆续出炉，近期多家银行对消费贷产品进行了“提额”“延时”，其中，部分产品线上消费贷款额度从20万元调升至30万元，最长贷款期限放宽至7年。
例如，中国银行手机银行APP上展示的两款消费贷款产品，其贷款额度上限分别为30万元、50万元，而此前的最高额度分别为20万元、30万元；建行某款消费贷产品的额度上限从原来的20万元上调到了30万元。招行APP上展示的闪电贷最高可借30万元，期限最长可选择84个月（即7年）。
The reporter noted that in recent years, with the sluggish growth of mortgage loans, consumer loans have become an important growth point for banks' retail credit. It is the annual report season of listed banks, and the annual reports of 2024 years can also give a glimpse of the banks' increased layout and achievements in the field of consumer loans.
For example, the balance of personal consumption loans of Bank of Communications in 38 years increased by 0.0 billion yuan compared with the end of the previous year, an increase of 0.0%; The balance of ICBC's personal consumption loans increased by 0.0% to RMB0.0 billion; The balance of CCB's personal consumption loans was RMB0.0 billion, an increase of RMB0.0 billion, or 0.0%, over the previous year. China Merchants Bank also showed a strong growth momentum in the consumer loan business, with the balance of consumer loans of 0.0 billion yuan, an increase of 0.0% from the end of the previous year.
However, it should also be noted that the current rise in retail risks is a trend in the industry. Wang Pengbo told reporters that in a low-interest rate environment, banks must strengthen risk prevention and control, strictly review the qualifications of borrowers, and ensure that the flow of credit funds is compliant. In addition, differentiated pricing strategies should be implemented according to customer credit status, income level and consumer demand, and interest rate levels should be reasonably set.
National Business Daily