证券日报网讯平安银行（000001）9月30日在互动平台回答投资者提问时表示，本行未披露个人零售贷 款及公司贷款单笔平均额度。截至2025年6月末，本行零售客户数12，668.01万户，较上年末增长 0.9%，个人贷款余额17，259.78亿元；对公客户数90.91万户，较上年末增长6.5%，企业贷款余额16， 825.20亿元，较上年末增长4.7%。 ...

Core Viewpoint - The competition in the mortgage loan market is intensifying, with banks focusing on improving service and efficiency to attract business, especially among smaller banks that lack the marketing budgets of larger institutions [4][11][12]. Group 1: Market Dynamics - The mortgage loan business is seen as a critical driver for the sustained growth of retail credit by banks [3][4]. - The current competitive landscape is driven by the banks' desire to secure quality credit assets, as mortgage loans have low default rates and stable repayment cycles [4][5]. - Large banks are leveraging partnerships with real estate agencies to secure a stable volume of mortgage loans, while smaller banks are forced to compete on service and efficiency due to limited budgets [5][11]. Group 2: Operational Strategies - Banks are adopting aggressive strategies to enhance their mortgage loan business, including rapid response to loan applications and improving approval times [11][12]. - Some banks are reallocating funds from consumer loans to mortgage loans to boost their mortgage business volume [12][14]. - Smaller banks are also relaxing their loan approval criteria to gain favor with real estate agencies and increase their mortgage loan referrals [14][15]. Group 3: Competitive Pressure - Internal performance metrics and competitive pressures are driving bank employees to work harder to secure mortgage loan business [17][19]. - There is a trend of banks offering kickbacks to real estate agents to increase mortgage loan volumes, despite regulatory risks associated with such practices [20][21]. - The need for differentiation in financial services is emphasized, suggesting that banks should offer tailored products to meet diverse customer needs [21].