"The annualized interest rate is as low as 3.7%, and you can borrow as you like, up to 200,000 yuan." Ms. Zhang, who works in a state-owned enterprise in Chaoyang District, Beijing, said that she has recently received marketing calls for consumer loans from many banks. The 4% interest rate gave her the idea to apply for a loan.

　　A few days ago, a reporter from the China Securities Journal found during a survey and visit to a number of bank outlets in the Beijing area that the consumer loan interest rates of most banks have been significantly lowered compared with the beginning of the year, and the minimum consumer loan interest rate of some banks has dropped below 4%.

Some banks cut interest rates on consumer loans

　　A reporter from China Securities Journal found that at present, the minimum annualized interest rates of consumer loans of many commercial banks, including the four major banks, all start with "3", and most of them are between 3.6% and 3.9%; the maximum amount approved online Around 200,000 yuan.

　　Relevant persons from many banks such as the Agricultural Bank of China, Bank of China, and Postal Savings Bank of China have stated that the lowest interest rate of consumer loans that can be applied for is 3.65%.

Among them, the loan manager of a Beijing branch of the Bank of China said: "The longest loan can be 3 years, the maximum loan can be 300,000 yuan, and the interest rate is 3.65%, which was more than 4% before, and now it has been reduced a lot." A branch of the Agricultural Bank of China in Beijing The loan manager said that the current consumer loan interest rate is 3.65%. After the loan, the interest rate can be maintained for one year, and the interest rate will be re-approved and determined after one year.

　　A relevant person from China Construction Bank said that the annualized interest rate of the quick loan product is 3.75% (if the CCB card pays wages on behalf of the bank).

The loan manager of a Beijing branch of ICBC said: "The interest rate can be as low as 3.7%. The loan amount can be up to 300,000 yuan. If you want to borrow more than 200,000 yuan, you need to go to an offline outlet to sign in person.”

　　The loan manager of a branch of Minsheng Bank said that now coincides with the "good start" time window, the consumer loan interest rate is low at 3.68%, and the maximum loan can be 300,000 yuan, but the amount still needs to be evaluated based on comprehensive factors such as the unit's social security and personal provident fund.

　　The minimum consumer loan interest rate that China Merchants Bank can apply for is 3.6%.

"3.6% is the level after using coupons to lower the interest rate. At present, the interest rate can be maintained until the end of February. The maximum amount that can be applied online is 200,000 yuan." Said the loan manager of a branch of the bank in Beijing.

There are thresholds for applying for lower interest rates

　　Although the vast majority of banks have lowered consumer loan interest rates, not all customers can enjoy the maximum discount.

　　Dong Ximiao, a researcher at China Merchants Union Finance, said that not everyone can apply for this kind of low consumer loan interest rate. It has thresholds and conditions. .

　　For consumer loans, some banks have also introduced many "discount" measures based on the lowest interest rate, but they all set certain prerequisites.

For example, the loan manager of a Beijing branch of Industrial and Commercial Bank of China said that if a customer opens a personal pension account with ICBC, after a special application, the consumer loan interest rate can be reduced from 3.7% to 3.65%.

The loan manager of a branch of China Construction Bank in Beijing said that if customers have a CCB credit card, they can apply for "Instalment Link"; if they do not have a credit card, they can only apply for quick loan products.

　　"You can also apply for a coupon to lower the interest rate. Apply today, and you can arrive in your account within two days today and tomorrow. The coupon is valid for 7 days." The loan manager of a branch of China Merchants Bank in Beijing said that after using the coupon, the consumer loan interest rate can be as low as About 3.6%.

　　In addition, the amount and interest rate of consumer loans are also related to factors such as the lender's employment unit and whether it is on the white list.

"If your unit is not on the white list, you may not be able to apply for the lowest interest rate, and it is not easy to adjust the interest rate." Said the loan manager of a Beijing branch of Industrial and Commercial Bank of China.

Some banks also stated: "High-quality enterprises such as large state-owned enterprises, even if they are not on the white list, can be added to the white list based on their credit qualifications."

Supervision continues to increase

　　A few days ago, the Fujian Banking and Insurance Regulatory Bureau issued ten measures to provide financial support to promote consumption.

Among them, it is required to speed up the promotion and upgrade of consumer-promoting financial products such as "Fushang Consumer Loan" and "Consumer Installment", implement preferential policies such as interest-free, interest-reduced, and amount-raising; New consumer credit service.

　　People in the industry also said that consumer loans can continue to make efforts to promote consumption and stimulate the vitality of the consumer market.

But the flow of its loan funds has attracted much attention.

Dong Ximiao said that monitoring the flow and use of credit funds is a long-standing problem for both financial institutions and Internet platforms.

　　During the investigation process, several loan managers emphasized to the reporter of China Securities Journal on the issue of the flow of consumer loan funds that consumer loan funds can only be used for personal consumption, such as house decoration, daily consumption, etc., and must not flow to the property market and other investment and wealth management markets. It is found that all loan lines will be withdrawn, and the loan will be repaid immediately, and this behavior will also be included in the credit investigation system, and no further loan applications can be made for a long time.”

　　It is worth mentioning that the supervision has further intensified the rectification of the flow of consumer loan funds.

A reporter from China Securities Journal noticed that since January, the China Banking and Insurance Regulatory Bureau in Heilongjiang, Jiangxi, Guangxi and other places has issued nearly 10 fines, involving Standard Chartered Bank, Heilongjiang Zhaoyuan Rural Commercial Bank, Postal Savings Bank Nanning Branch and other financial institutions. mechanism.

The issues involved include the use of personal consumption loans to repay the principal and interest of the loan, failure to use it for the agreed purpose, and inflow of funds into securities companies.

　　Regarding the monitoring of the future flow of consumer loan funds, Dong Ximiao said that fictitious loan purposes and misappropriation of credit funds should be included in the credit investigation system to increase the cost of violations for borrowers and curb the illegal flow of personal consumer credit funds into the property market and stock market from the source.

At the same time, financial institutions can establish systems such as gray lists and black lists in due course.