小贷公司利率上限亮相:多家降至12% 行业进入调整期

格隆汇
Aug 18
据界面,近日,根据《个人贷款业务明示综合融资成本规定》(金规〔2026〕2号)等相关要求,多家小贷公司公布综合融资成本上限。据悉,目前小贷公司利率上限分化,大致形成年化12%、24%两大梯队。根据《小额贷款公司综合融资成本管理工作指引》(银发〔2025〕247号)(下称《指引》),应指导小额贷款公司逐步将新发放贷款综合融资成本降至1年期贷款市场报价利率的4倍以内。按照当前1年期贷款市场报价利率计算,即不能超过12%《指引》明确“原则上最晚应于2027年底前”。 “监管设置的过渡期安排避免了一刀切式冲击,行业将从数量扩张转向质量优先的普惠信贷专业化阶段。”苏商银行特约研究员薛洪言表示。

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