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近日,海南省银行同业公会在海口召开座谈会,协调各银行执行贷款利率中出现的问题,并提出支持中小企业发展的建议。针对个别银行在规定利率浮动幅度内下降贷款利率的作法,与会代表认为此举弊大于利。主要原因:一是现行存贷利差小。二是海南省银行业的经营困境要求维护利率的公平竞争。三是贷款集中大户问题要求维护利率的公平竞争。据统计,海南省十大贷款客户的贷款余额占全部贷款额的21％。如果各银行为争夺优质客户,不惜竞相降低贷款利率,存、贷利差将进
Recently, the Hainan Provincial Association of Banks held a forum in Haikou to coordinate the problems that banks faced in implementing loan interest rates and put forward proposals to support the development of small and medium-sized enterprises. In view of the practice of individual banks in lowering the interest rate of loans within the prescribed rate of interest rate fluctuations, the participants considered it more harm than good. The main reason: First, the current deposit and lending spreads small. Second, the operational difficulties of Hainan’s banking industry require maintaining fair competition in interest rates. Third, the issue of large loan concentration requires maintaining fair competition in interest rates. According to statistics, the loan balance of the top ten loan customers in Hainan Province accounts for 21% of the total loan amount. If the banks compete for high-quality customers, hesitate to compete to reduce lending rates, deposit, loan spread will be