消费贷利率 低至2.58%

Core Viewpoint - Banks are intensifying their promotion of consumer loans by lowering interest rates and increasing loan limits to attract borrowers [1] Group 1: Loan Promotion Strategies - Jiangsu Bank offers a limited-time consumer loan promotion with interest rates as low as 2.58% and online application limits up to 200,000 yuan, while in-person applications can reach up to 1 million yuan [1] - Several banks, including China Merchants Bank, Jiangsu Bank, Ningbo Bank, and Beijing Rural Commercial Bank, are enhancing their consumer loan offerings through various strategies such as lowering rates, increasing limits, issuing interest rate coupons, diversifying usage scenarios, and speeding up loan disbursement [1] Group 2: Industry Insights - Industry experts believe that banks are controlling credit risk, stabilizing retail loan non-performing rates, and optimizing retail loan structures by strictly managing the entry thresholds for low-interest loans [1] - The limited low-interest loan resources are being allocated to high-quality customers, which enhances banks' competitiveness in the battle for premium clientele [1]