消费贷“贴息”新政首月成效几何？有大行豪揽签约客户超60万户

Core Viewpoint - The "Consumer Loan Interest Subsidy Policy" implemented from September 1 has seen mixed responses from banks, with some reporting growth in consumer loan balances while others indicate minimal changes in application and issuance rates [1][3]. Group 1: Policy Implementation and Bank Responses - The new policy has been in effect for a month, with state-owned banks reporting a 30% year-on-year growth in consumer loan balances by the end of September [1][2]. - Some banks, including major state-owned banks, have signed over 600,000 clients for the subsidy service, indicating a proactive approach to promote consumer loans [2]. - However, many banks have not observed significant changes in consumer loan applications and issuances, with some citing a lack of expected high growth [3]. Group 2: Participation and Market Dynamics - Currently, only six major state-owned banks and twelve joint-stock banks are participating in the subsidy program, limiting its potential impact [4]. - There is a belief that involving more local banks could enhance the effectiveness of the policy, as some smaller banks may have better local market knowledge and relationships [4][5]. - Despite the competitive landscape, some banks are adopting a conservative approach to consumer loan issuance due to pressure from non-performing loans [8]. Group 3: Future Outlook and Challenges - The consumer loan sector is viewed as a critical area for banks, with expectations of increased lending in the fourth quarter and early next year [7]. - The competition among banks is intensifying, particularly as state-owned banks increase their lending, which poses challenges for mid-sized banks [8]. - Concerns have been raised regarding the proper use of consumer loans, with reports of potential misuse and the emergence of fraudulent activities [8].