央行主管媒体：不宜过度炒作单月信贷增量波动

Group 1 - The article emphasizes that monthly financial data is often viewed as a window to observe the economic and financial operations, but it may not accurately reflect the economic activity or the financial support for the real economy as China enters a high-quality development phase [1] - It suggests that financial institutions should focus on identifying effective credit demand rather than engaging in disorderly competition through methods like lowering loan interest rates, which may not lead to meaningful credit demand [1] - The article notes that traditional credit demand is decreasing while credit demand in new growth areas is increasing, indicating that financial institutions need to adapt their business strategies to explore effective credit demand in segmented markets [1]