Why did you text me the interest before the loan came down?

Receiving such a short message indicates that the original loan interest rate has changed, and the corresponding interest will be charged according to the interest rate reminded by the short message in the future.

The adjustment of interest rate is actually the adjustment of the interests of all parties. When determining the interest rate level, the People's Bank of China mainly considers the overall price level, interest burden, interest and the relationship between supply and demand.

Generally speaking, the longer the term, the higher the interest rate; The greater the risk, the higher the interest rate. Conversely, the lower the interest rate. With the improvement of China's economic openness, the change of international financial market interest rate will have a greater and greater impact on China's interest rate. When studying domestic interest rates, we should also refer to international interest rates.

Extended data:

Basis for fluctuation of bank loan interest rate:

1 is conducive to highlighting the credit policy and business characteristics of China Bank. Preferential interest rates are given to foreign trade enterprises, foreign-funded enterprises, foreign affairs enterprises, large and medium-sized export production enterprises and high-tech production enterprises with good benefits.

2. It is conducive to promoting the development of related businesses of Chinese banks. In terms of interest rate standards, we can give appropriate care to the loans of our basic customers, temporary loans of customers whose deposits exceed loans, and loans of customers who handle import and export settlement business and intermediary business in our bank.

3, is conducive to the cost accounting of credit funds, improve the ratio of assets and liabilities and its cost structure. The fluctuation range of loan interest rate should refer to the bearing capacity of comprehensive capital cost of banks. The total amount of low-cost sources restricts the total amount of interest rate downward loans, while the total amount of high-cost sources determines the total amount of interest rate upward loans. The interest rate structure of the source of funds should adapt to the interest rate structure of the use of funds.

4. Conducive to the risk management of credit assets. In principle, low-risk loans are subject to low interest rates and high-risk loans are subject to high interest rates. For enterprises whose own funds are not up to a reasonable proportion, or whose own funds are not supplemented according to regulations, and their credit rating is low, interest rates should be used to promote them to improve their management and economic benefits.

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