星图金融研究院副院长薛洪言：银行消费贷不能局限在优质客群里“内卷”

Core Viewpoint - Financial institutions play a crucial role in boosting consumer spending by accurately identifying consumer needs and optimizing product design to lower barriers for consumers, thereby encouraging them to spend more [3][4]. Group 1: Financial Institutions and Consumer Credit - Credit is a vital component in stimulating consumption, but many consumers face challenges such as insufficient loan amounts, complex procedures, and high effective interest rates when seeking loans [3]. - The high level of retail loan delinquency rates has led banks to shift their focus from scale to quality, raising the entry barriers for consumers deemed as "high-quality" [3][4]. - Financial institutions need to enhance the precision of their marketing strategies using big data for better customer matching and risk control [4]. Group 2: Strategic Recommendations - Banks should not limit their consumer loan offerings to only high-quality customers, as middle to high-risk customer segments represent untapped growth potential [4]. - With the economic recovery and improvement in household balance sheets, banks are expected to revise their retail loan strategies and lower entry barriers, providing more opportunities for borrowers to access low-interest, high-amount consumer loans [4]. Group 3: Policy and Market Dynamics - Financial support for consumption includes not only favorable credit policies but also the collaboration of monetary and fiscal policies, the establishment of efficient payment ecosystems, and the involvement of public funds and insurance [5]. - Recent regulatory measures have included extending loan terms and increasing loan limits, which have positively impacted large consumer goods such as automobiles and home appliances [5]. - The emergence of new consumer brands across various sectors, offering better quality-price ratios, has contributed to structural changes in consumption, highlighting the importance of supply-side upgrades to stimulate demand [5].