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Core Viewpoint - A price war for business loans among banks targeting small and micro enterprises has emerged following tightened regulations on consumer loans, with many banks lowering interest rates to below 3% [1][8]. Group 1: Business Loan Interest Rates - Several banks, including state-owned and joint-stock banks, have reduced business loan interest rates to below 3%, while some smaller banks struggle to keep up [1][8]. - The interest rate for the "Business Loan" product from China Merchants Bank is as low as 2.68%, with a maximum loan amount of 20 million yuan [3][6]. - The approval process for business loans has improved, with some banks reducing the approval time for loans under 1 million yuan to as little as 3 working days [6][12]. Group 2: Market Competition and Disparities - The competition in the business loan market has intensified, with significant interest rate disparities among banks, particularly between large state-owned banks and smaller regional banks [8][9]. - Some regional banks in the northeastern part of China have interest rates above 4%, while banks in the southeastern coastal regions offer rates below 2.5% due to a more favorable credit environment [8][9]. - The use of big data models for risk assessment has led to a more uniform interest rate for similar clients, but it has also given rise to issues with intermediaries manipulating client information to secure better loan terms [9][10]. Group 3: Commercial Logic Behind Low Rates - Banks are promoting low-interest business loans as a strategy to attract creditworthy clients, which can lead to additional revenue from services like payroll and wealth management [11][12]. - Despite the decline in business loan interest rates, the actual loan disbursement may not meet expectations due to increased difficulty in acquiring quality small and micro clients [12]. - Future trends may see further segmentation in the business loan market, with more specialized products tailored to specific industries and scenarios [12].