Why is it getting harder and harder to get bank loans?

Back more than a decade ago, entrepreneurs were the ones who needed loans. Individuals had almost no loan demand, and people in banks would cry for loans. The worse luck now, the better another time. Now, even if you break through the threshold of the bank, you may not be able to get a loan. It's our turn to cry for a bank loan.

Quietly, the lending market has changed from buyer-led to seller-led. Piggy saw a news in Chengdu Business Daily yesterday that there was more than one bank in Chengdu, and the loan line of June 18 was used up in three days. These banks will not handle housing loan business in the next 20 days. If you want to borrow money, please line up outside the city gate and see when the bank will turn your cards over.

Why are bank loans so tight? Piggy believes that this should be the result of a combination of the following reasons:

1. The loan demand increases, the cost decreases and the capital is safer.

Someone once asked a financial magnate how to earn 1 10,000 in 1 year. The big coffee replied that it was very simple. You take 20 million yuan to buy any bank's guaranteed capital and fixed-income wealth management products with annualized rate of return exceeding 5%, and earn more 1 10,000. The man cursed: what you said is bullshit! You can't make money if you have the principal.

That's it. When the underwear of capital is pulled open, many people understand the law of capital operation. Therefore, everyone knows a little about the "king", "double horse" and "big Liu" who have made a fortune. The attitude towards debt has changed greatly, from the initial resistance to enthusiasm, especially those who have tasted the sweetness of loans, are even more enthusiastic about bank loans.

Furthermore, bank loans can be regarded as high-quality and low-cost funds. Compared with private lending labeled as "usury", banks are the hot potato in the eyes of lenders. Not only is the interest rate low, but even if the money is not paid, the worst result is that the assets will be confiscated by the bank and there will never be violent collection.

So many people with loan needs are staring at the bank. Why is it your turn?

A bank is not a charity, making money is its essence.

What a bank depends on is its spread income, which is expressed by a formula: spread income = loan interest income-deposit interest expenditure. Because of Yin Da's control, banks dare not raise the loan interest rate at will. Banks are envious and jealous when they see more and more non-bank institutions lending at high interest rates in the market! See if I'm a bully. Why should I let the money out so cheaply? Therefore, more banks are willing to entrust funds to other institutions, rather than directly releasing them themselves.

Besides, banks also have their own money owners, just like us. If the performance is too ugly and the income and net profit indicators are too small to pay dividends to shareholders at the end of last year, banks will be forced to find more high-interest channels to lend.

If lending is a necessary obligation of banks as financial institutions, then piggy wants to tell you that making money is its essence.

Strong bank supervision, dare not act rashly.

On the left is "grandma", on the right is the "silver father" of the bank, and in the middle is the aunt of the foreign exchange administration. Every move is under their supervision. These three banks have formulated many rules and regulations for banks. Yang Ma said: "Your loan amount is so much. If you dare to let go more, I will let you know what a dutiful son is under a fist! " ! Dad Yin said: "150% provision covers the red line. Don't step on it If you dare to invest in a loan, I will punish you for having no living expenses next month! My foreign exchange aunt said, "I can't care so much about you, but if I catch you doing bad things outside, grandma has an obligation to teach you a lesson!" " !

Yes! There are many bank assessment indicators, and the loan amount is limited, not as much as you want. Moreover, if the loan funds cannot be collected and bad debts are formed, they will be covered by withdrawing capital. So they don't refuse to lend money, but they have to screen out high-quality loan customers at different levels.

While we are more and more aware of the importance of principal, banks are also tightening loans, such as tight mortgages, tight consumer loans and tight personal business loans, which undoubtedly makes us see the approaching shortage of funds. Therefore, it is particularly important to find a formal, reliable and safe loan platform to obtain the principal.

With the help of piggy, I will give you warm, attitude and more reliable loan advice!