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Chongqing, the total cost of loans to the loan company shall not exceed 4 times the benchmark interest rate
Small micro-enterprise loan costs has been a big problem, manyMicrofinanceThe total cost of the company's loan will even exceed four times the central bank's benchmark interest rate. Recently, the Chongqing Association of small loans issued a "on the strengthening of industry self-discipline strictlyLending rates(Hereinafter referred to as the "Notice"), the sum of the requirements for small loan companies shall not exceed 4 times the base rate.
According to the "notice" requirements, at the end of the year, the enterprise funding supply and demand gap is larger,Private lendingInterest rates were on the rise. To effectively reduce the financing costs of small and medium-sized enterprises, the city small loan association requires the city's small loan companies must strengthen the industry self-discipline, is strictly prohibited violations of the loan interest rate management regulations.
"Notice" clearly stipulates that the small loan companies to strictly enforce the Municipal Finance Office of the loan interest rate management regulations, loan interest rates and the sum of the charges shall not exceed the same period announced similar to the benchmark lending rate of 4 times, requiring interest rates and charges transparency, The loan interest rate and the charging standard are stated in the loan contract.
At the same time, Chongqing Small Credit Association will organize personnel to carry out loan interest rate survey, once found the problem, timely report to the regulatory authorities, and recommended that regulators take stringent measures.
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