独家 | “保本线”下不打价格战！信用卡现金分期年利率回升至超3%，齐平消费贷限价

Core Viewpoint - Recent trends indicate that several banks have reduced their credit card cash installment interest rates below 3%, raising concerns about the sustainability of such low rates in the context of consumer loan pricing policies [1][4][5]. Group 1: Cash Installment Rate Trends - A number of banks have launched promotional activities for credit card cash installments, with interest rates dropping to as low as 20% of the original rate, resulting in annualized rates below 3% [1][4]. - Some banks have already adjusted their cash installment rates back above 3%, indicating a potential reversal in the trend of low interest rates [2][5]. - The current cash installment rates align with the pricing policies for consumer loans, suggesting that the market is responding to regulatory pressures [3][4]. Group 2: Market Dynamics and Regulatory Environment - The competitive landscape for consumer loans has intensified, with some banks offering rates as low as 2.5% to 2.8%, but regulatory guidance has since mandated that new consumer loan products must have rates no lower than 3% [6]. - Experts highlight that unsustainable low rates can lead to increased risks for high-leverage borrowers, emphasizing the need for banks to maintain reasonable pricing strategies [7]. - The focus of financial policies is shifting towards supporting high-quality consumer goods rather than competing solely on price, advocating for a quality-driven approach in consumer financing [6][7].