The impact of financing of small and medium-sized enterprises not a lot of material

From the current investment finance, about the deposit, the citizens of the channel, in fact, already more and more diversified. Perspective from the bank, the bank launched a lot of wealth management products, some products than the term of two years, five years, 3 years shorter, might have a higher rate of return at the same time, but also break even, so not say how much worse than deposits, so personally I might tend to choose products. Everyone's situation is different, I tend to be more cautious and relatively conservative investments or money, that I may not be the investment risk is big, especially on completely in the future, Banks, because the cost of pipe fitting 45 degree LR elbows capital may increase, can do the business risk will also increase, the Banks will face greater risks, then I will consider, whether to choose the product with high risk.

Tooling, customer or the customer may benefit from, but the time deposit, especially as a five-year, you can get a higher interest rate of deposit, in all of the deposits accounted for the proportion of very small, so such a small deposit to rise 10%, common people or depositors receive interest, increase the income of not many. Compared to interbank lending rates is a drop in the bucket. Now the above by the bank from short-term market lending money, the money sometimes it might even be cheaper than deposit, 3% can be got, and then it through various ways, or with other financial trust companies, financial institutions, and then do the trust plan, when you go out with, and finally to the hands of the money could be as high as teens. 3%, more than 10%, the middle is relatively big difference, so that I think is 45 degree short radius pipe fitting elbows really a very big profit space and arbitrage space a place.

The present situation of financing of small and medium-sized enterprises don't have much of the material, the influence of the financing from Banks to small and medium-sized enterprise itself is just one part of each other with their own private borrowing, or from bank lending to these channels, or access to capital it is more, that this part of the cost.

Is that the four big state-owned Banks have three aspects to consider, first, is that regulators, management department have asked, not big Banks a float to, small Banks last year after the reform of interest rate, deposit rate can be 10%, small Banks can float, because your money is tight, the big Banks have this requirement, it have the effect of 90 degree pipe fitting long radius elbow stable market, can not immediately change, this is the first; The second aspect, and each bank funding situation is different, the big Banks because the network is more, absorb deposits has many channels, so it is the source of the money was relatively better, don't like the little bank somewhere in regional restriction, its funding sources may be constrained by the larger, it will raise interest rates and steady; The third aspect, why didn't the big Banks to raise interest rates to LanCun? It has a scruple, generally you raise interest rates to LanCun, you money is tight, tight funding risk, so it avoid to bring the expectations to the market, said big bank funds nervous, then a enlarge market rumors can form some bad evaluation to it, so it has no immediate action.