news

한어Русский языкEnglishFrançaisIndonesianSanskrit日本語DeutschPortuguêsΕλληνικάespañolItalianoSuomalainenLatina

"the market has gradually improved recently. we also launched a limited-time promotion before the national day. the lowest consumer loan interest rate can be as low as 2.88%. at the end of september, more people came to withdraw funds and inquire." on september 28, xiao wu, a staff member of china merchants bank in suzhou, told reporters.

as the national day approaches, many banks have increased their consumer loan marketing efforts, launched limited-time benefits, and reduced consumer loan interest rates to 3% or even below 2%. a relevant person from a bank told reporters that due to the consumption season and recent favorable policies, the number of consumer loan customers actively consulting and withdrawing funds has increased significantly since september compared with the previous month.

consumer loan discounts are increased

the national day holiday is often a peak consumption season, and many banks have increased their discounts on consumer loans. some banks have launched a limited-time interest discount policy, lowering consumer loan interest rates to "1". in addition to lowering consumer loan interest rates, some banks also offer various gifts. there are also banks that have relaxed application restrictions for preferential interest rates, allowing more customers to enjoy low-interest benefits.

“our bank supports sichuan province’s consumer loan interest discount policy. consumer loan withdrawals before september 30 can be used to purchase cars, electronic products, housing decoration, home appliances, furniture and durable goods offline, and can enjoy an annualized interest rate of 1.50%, with a single transaction not exceeding 3,000. yuan’s fiscal interest discount,” said a staff member of liangshan rural commercial bank.

dongguan rural commercial bank stated that the bank’s exclusive interest rate for new customers on consumer loans is 2.98%, with a maximum limit of 1 million yuan and a loan period of up to 5 years. from september 18th to october 17th, customers with a single contract’s first loan amount between 50,000 yuan and 100,000 yuan (exclusive) have the opportunity to obtain 5,000 comprehensive equity points; if the amount exceeds 100,000 yuan, they have the opportunity to obtain 10,000 comprehensive equity points equity points. points can be redeemed for stereos, rice cookers, gas coupons, taxi coupons, etc.

the loan manager of a branch of jiangsu bank in shanghai told reporters that the bank's current consumer loan interest rate is the lowest at 2.98%. "previously, it was possible to achieve 2.98%, but the qualification restrictions for customers were stricter."

“there are more customers making inquiries and making withdrawals”

“during the national day, people’s consumption demand for traveling and other activities increases. furniture, electrical appliances, automobiles and other merchants will launch some discounts during the festival, and some customers want to apply for consumer loans, decorate houses, buy cars, etc. the discounts we introduce are also strong. in the past the lowest consumer loan interest rate is 3%, and now it is less than 2.9%. there are more customers making inquiries and withdrawals these days," xiao wu told reporters.

currently, many banks are actively expanding consumption scenarios, increasing consumer credit, and enhancing the availability and convenience of personal credit consumer loans. industry insiders said that banks and other financial institutions should focus on the personal consumption field to develop more marketable financial products and keep up with the transformation and upgrading trend of consumer market demand, which will help to open up a broader market space and stimulate domestic consumption.

regarding risk control issues, dong ximiao, chief researcher of china merchants union, said that for financial institutions, they should pay attention to the monitoring of the flow and use of credit funds. financial institutions can timely establish systems such as gray lists and blacklists for fictitious loan purposes and misappropriation of credit funds. at the same time, it is recommended that financial management departments accelerate the application of financial technology, take the lead in establishing an industry-wide monitoring platform for the use and flow of funds, and guide the legal and compliant use of credit funds.