据记者观察和汇总建行、招行推出的多款3年期纯信用经营贷产品“明面”上的最低年利率已经低至3%——之所以说“明面”上是因为

智通财经
Jun 28, 2025
据记者观察和汇总建行、招行推出的多款3年期纯信用经营贷产品“明面”上的最低年利率已经低至3%——之所以说“明面”上是因为如果叠加上银行发放的利率优惠券(比如招行就发放年化2.68%生意贷指定利率券截至6月30日)目前纯信用经营贷最低价已经低于3%超30个BP了。3%的“明面”最低价和利率优惠券限时叠加相似的剧情此前曾在消费贷上演。其实当前的利率价格已经彰显了小微金融“普”和“惠”的标准了。有银行从业人员告诉记者目前小微客户风险已经很难再下沉这意味着新增客户变得越来越难也意味着小微资产投放的增速其实是在放缓。量难增价续降——这是不少银行面对的小微信贷投放困境。。

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