“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 - The recent trend of credit card cash installment rates dropping below 3% is raising concerns in the industry about banks potentially circumventing regulations on consumer loans and re-entering the consumer finance market [1][2][5]. Group 1: Credit Card Cash Installment Rates - Several banks have recently 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][5]. - Some banks have already reduced the promotional rates, causing the installment rates to rise above 3% again [2][6]. - The actual interest rates for cash installments are now aligned with the pricing policies for consumer loans, indicating a potential shift in market dynamics [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 mandated that new consumer loan products must have rates no lower than 3% [8]. - The unsustainable nature of rates below the banks' break-even point is a concern, suggesting that both consumer loans and credit card cash installment rates will eventually return to more reasonable levels [8]. - Experts emphasize the need for banks to focus on quality rather than price in their consumer finance strategies, advocating for sustainable growth in the sector [9].