The rising interest rate of private lending reflects the shortage of funds for small and medium-sized enterprises, and it is very difficult to borrow. Judging from the relationship between supply and demand, it seems that the whole market is short of funds. Strangely, according to what the reporter learned from the People's Bank of China, corporate finance and quasi-finance, the liquidity of funds in the corporate sector is relatively abundant, and may even remain surplus.
According to the credit data released by the People's Bank of China in the first half of the year, the loan balance of local and foreign currency enterprises from June to June was 549.2 billion yuan. Although the year-on-year growth rate dropped by 9.6% compared with the same period of last year, it still maintained an increase of more than 20%, and the accumulated new loans from June to June were 54.3 billion yuan. Judging from this data, in the first half of the year, enterprises increased a lot of new loans, and the interest rate of corporate market deposits also rose year-on-year. In the first six months, deposits increased by 76.722 billion yuan, an increase of 28.477 billion yuan year-on-year, and an increase of 65.438+05.868 billion yuan over last year.
From the understanding of the corporate branch, the head office and the credit department of the corporate international bank of Guangfa Bank, it is also reflected that the bank funds are still relatively abundant. For customers with long-term cooperation, lending is basically the same as usual, and credit to these enterprises will not be compressed because of the tightening of monetary policy. Although there are fewer on-balance-sheet loans such as pure bank loans, there are more off-balance-sheet loans such as acceptance bills.
However, they also pointed out that the bank's SME customers are selected from hundreds of thousands of enterprises, and the coverage will not be very wide. Although the leading enterprises in this industry will have loans, the tightening of monetary policy will not affect enterprises other than the selected enterprises, and they will not borrow from banks anyway.
A senior person engaged in private lending said that in addition to bank channels, the private lending funds of enterprises in the first two years were around 50 billion, which is definitely higher than last year, because a lot of funds returned from the stock market this year.
Li Qun, deputy director of the Financial Office, believes that the supply of funds in the enterprise sector is relatively abundant, but the funds of SMEs are in short supply. From the perspective of profit-seeking, where there is a good return, it will flow there. Since capital is unwilling to flow to these enterprises, or it needs these enterprises to pay a high cost to be willing to flow in, it shows that capital is not optimistic about the prospects of these enterprises.