消费贷财政贴息正式实施:利率下探,银行分化或加剧

第一财经
Sep 02

9月1日,个人消费贷款财政贴息政策正式落地。记者从上海多家银行网点了解到,首日各大行已完成贴息申请与执行准备,消费者可直接通过系统享受利息补贴,无需额外报销,单户最高可获3000元贴息,部分贷款利率由此甚至降至3%以下。事实上,上半年银行业绩披露已显示出消费贷业务的分化趋势:国有大行在投放规模上依旧领先,股份行态度相对谨慎,而部分区域性银行则面临更高风险压力。随着财政贴息的落地,业内普遍预期个人...

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