Core Insights - The performance assessment period for bank employees is intensifying, with a focus on meeting various financial targets amid declining deposit rates and increasing competition in loan services [1][2] - Banks are adopting more refined performance evaluation metrics, emphasizing daily deposit increments, support for small and micro enterprises, and the collection of non-performing loans [2][3] - The focus on non-performing asset disposal is critical for banks, as recovered assets can positively impact profits [3] Performance Assessment - Bank employees are under pressure to meet performance targets, with many working overtime and making numerous calls to clients to secure deposits and loans [2] - The assessment criteria have shifted to prioritize inclusive finance, linking performance and bonuses directly to the support of small and micro enterprises [2] - There is an increased emphasis on payroll services, which can enhance liquidity and support other banking products [3] Credit Growth and Stability - As of the end of May, the total RMB loan balance was 266.32 trillion yuan, reflecting a year-on-year growth of 7.1%, with a stable increase in credit supporting the real economy [4] - Over 90% of new loans this year have been directed towards enterprises, with significant growth in medium and long-term loans [4][5] - Banks are focusing on balanced and stable credit growth, adapting to project-based lending to meet the specific needs of enterprises [5] Regulatory Compliance - There are concerns about the resurgence of unethical practices in deposit acquisition, such as offering higher interest rates through unofficial means [6] - Regulatory bodies are monitoring and addressing these practices to maintain a stable banking environment, emphasizing compliance in marketing behaviors [6]