Will rise September 1, the country supports consumptive finance credit actively, consumption borrows name of the donor to increase into power.
Will rise on September 1, develop general benefit banking energetically, civilian battalion, small small company, " 3 farming " it is easier to wait for a domain to borrow money.
Will rise on September 1, silver protects inspect to phonate: Fulfil borrow without add of repayment of capital, increase credit to put in strength, enlarge support of pair of hypostatic economy financing, solve problem of venture expansion fund, small company no longer " loan is bad " .
Will rise on September 1, interest rate is successive rise the hopeful after 19 months alleviates, interest rate of national skill keep within limits rises.
Will rise on September 1, accelerate loan to put in speed, fall to release fund definitely. Alleviate market fund is in short supply the current situation.
Will rise on September 1, the net borrows 108 to close plan is legal detailed list gives heat, the P2P that has license plate normally and consumptive banking firm restore to manage below governmental conformity, loan industry returns to normal.
Will rise on September 1, credit industry greets new phase!
The country falls for many times accurate, does hopeful alleviate is capital confused?
The Central Bank falls first accurate:
On January 25, 2018, finance of benefit of general of department of Central Bank announce is directional fall standard policy is carried out in the round! Finance of this general benefit is directional those who fall to basically be faced definitely is sheet door give a letter individual and loan of 5 million yuan of the following small small company, industrial and commercial the proprietor of an enterprise manages a He Xiaowei the gender borrows money, and farmer production is managed, do poineering work assure, build archives to establish calorie of impoverished population, aid learn to wait for loan.
The Central Bank falls the 2nd times accurate:
On April 25, 2018, the Central Bank reduces large commercial bank, share-holding system commercial bank, city commercial bank, blame surely definitely reserve of deposit of RMB of bank of commercial bank of prefectural region country, foreign capital leads a percent; Release 400 billion fund, alleviate pressure of area of hypostatic economy financing.
The Central Bank falls the 3rd times accurate:
Rose on July 5, 2018, the Central Bank announces to reduce reserve of deposit of RMB of bank of commercial bank of country of region of county of commercial bank of state-owned and large commercial bank, share-holding system commercial bank, postal savings bank, city, blame, foreign capital to lead 0.5 percent. Release fund 700 billion, it is difficult to solve financing of small small company with Yu Huan financing is expensive wait for a problem.
Although the Central Bank falls to release capital to alleviate definitely for many times " capital is confused " , publish of all kinds policy to give aid to development credit industry, but the wolf is meaty little situation can tell you this just just begins. Second half of the year, loan market a bit did not see improve, loan difficulty upgrades again and again.
Although the Central Bank falls for many times,allow, why to still have a paragraph to you can be borrowed?
1, the Central Bank falls to release fund definitely, multi-purpose at small company
Zhu He of Central Bank assistant president says newly, financial service is hypostatic 2018 economy, alleviate expensive respect of financing difficult financing obtained certain result. The capital that falls 3 times to be released definitely is medium since this year have many yuan 10 thousand directional use at supporting the domain of Pu Huijin be in harmony such as small small company.
General benefit line of action is little July small loan remaining sum 7.38 trillion yuan, grow 15.8% compared to the same period, the year end on increasing ratio increases 6 percent.
2, superintend upgrade, loan doorsill rises
Below superintendency weigh, the silver-colored meeting that keep watch punishs an orgnaization first half of the year 798, punish not 1.43 billion. The silver-colored meeting that keep watch expresses, second half of the year, will strict according to had hit be on guard dissolve financial venture 3 years the route chart of battle of assault fortified positions and schedule, outstanding issue is oriented, capture main contradiction, insist to advance steadily, hold market rule, pay attention to working rhythm, method of job of be particular about, advance punish market chaos to resemble steadily, cogent guiding banking implementation high quality develops, on the base that retains national economy to move smoothly essence of life allows " tear open play " , guard the bottom line that does not produce systematization banking venture stoutly. So, second half of the year, the money of the bank dare be not put in disorder.
3, credit is tightened up, shut one by one credit individual special
As economic integration, industry competition is intense with each passing day, a few companies go broke because of managing not to be pooh-poohed close down, cannot repay bank debt, bank financing cannot reclaim, cause bank credit crisis even, flow of the capital in the market decreases, bring about economy to glide.
Date of departure plays in economy, the bank is inherent can't develop credit business considerably, right now bank should according to specific economy form, change credit plan, adjust policy in time, prevent occurrence capital shortage, and even the bank appears the circumstance that break down. So temporary one by one shuts credit specific individual is special loan.
4, the net borrows platform large area to explode thunder, market fund is in short supply
About a hundred net borrows platform to close down, the net is borrowed rectify continuously, cost of financing of each big finance orgnaization rises.
80% banking firm puts on record rectify, without investor, raise the wind fails. Or of the product on 95% lines is not approved, or not loan, this is the current situation.
It is very normal that the net borrows delay time loan, credit P2p capital from before " second loan " , examine and approve to now after passing " defer a week " loan is the phenomenon that does not pass normally, p2P platform explodes at the same time thunder is ceaseless, at the same time loan is difficult, the bank is moved on economy gains, rise of loan interest rate is inevitable trend.
5, financing of bank of second half of the year is in short supply it is normal
Second half of the year is loan height, the bank is pulled put pressure big, loan fund pool is in short supply, the second half of the year of the bank can contract stage by stage however loan specified amount is spent, resemble will appearing last year in September 56 banks stop borrow.
Bank specified number spends crimple, assignable this year forehead is spent had reached bottom, what spend to strengthen the forehead is reasonable use, in numerous loan application, can select high grade client first loan, such photographs are examined and approve to what answer and loan cycle spun.
In capital in short supply market environment falls, how to increase loan to be led successfully
1, early plan, early explain borrow
Loan is bad, loan time is met lengthen. Explain borrow successful rate to be able to be reduced, because this is short of the comrade of money to need early plan, early explain borrow.
2, interest of timely approval loan raises a requirement
A lot of banks examine and approve moment in loan, have to loan interest rate think, those who be willing to bear more loan interest is preferential examine and approve. After all the bank also is willing to make money more.
3, notice oneself sign a letter
Loan is bad, loan requirement can rise, as explain borrow a person, should cherish oneself record that sign a letter more. Can pass those who believe careful to sign a letter before, second half of the year is bad 2018 to said.
4, help of the member that seek credit
Resemble all services intermediary is same, the existence of loan intermediary has its sense necessarily, it is difficult to borrow money now especially, below the big environment with in short supply capital, credit member can help you raise loan percent of pass and loan specified amount to spend, for you leave out runs back and forth the time of the bank. Return at the same time can be you according to your aptitude the financing plan with optimum form a complete set, fall accrual lowest.
