Consumer loan interest rate of 2.68% survey: assisting loan companies fabricate branch offices to attract customers

Regulatory guidance on consumer loan interest rates not lower than 3% has been in effect for nearly two months. Recently, many loan marketing professionals claiming to be bank employees have become active, claiming they can provide around 2.6% internal preferential consumer loan interest rates through marketing phone calls, posting information on social media, and other methods. After verifying with multiple sources, reporters learned that the lowest interest rate for most bank consumer loans is still 3%, and interest rates around 2.6% are mostly marketing gimmicks used by loan companies to attract customers. Industry professionals believe that moving away from price competition in consumer loans is both a response from banks to regulatory guidance and a reflection of banks' need to maintain a reasonable net interest margin. Banks' operating strategies in a low interest rate environment should be flexible and promptly adjusted, actively exploring deep integration of consumer loans with consumer scenarios, enhancing the actual utility of consumer loans through scenario-based embedding. At the same time, they need to find a balance between risk and return in order to promote sustainable development of consumer finance business.