消费贷市场竞争焦点正从"利率战"转向"额度战"。 南都记者近日调查发现，随着消费贷利率被严控在3%的"红线"内，国有银行、股份制银行及城商行纷 纷调整策略，100万元额度的消费贷产品已并不罕见，部分银行甚至推出额度高达1000万元的同类产 品，大额度正成为银行争夺消费贷市场份额的核心抓手。 不过，看似宽松的额度背后，申请门槛并未降低。记者了解到，这类高额度消费贷普遍附加多重申请条 件，审核标准严苛，这也不难看出，当前银行在消费贷领域的竞争逻辑已从"广撒网"吸引客户，转为精 准抢占和深度挖掘优质客户与高净值客群。 查询 多家国有行推出100万元消费贷 有股份行汽车消费贷达300万元 近日，南都记者通过线上查询多家国有银行、股份制银行及城商行的官方APP，结合线下联系客户经理 沟通后发现，当前消费贷市场的额度"天花板"正持续向上突破，且银行针对不同消费场景推出的产品， 在额度、利率与期限上呈现出差异化特点。 某国有行在其APP展示的一款消费贷产品信息显示，该产品年利率低至3%起，最高可贷额度达100万 元，最长贷款期限能覆盖60个月（即5年）。值得注意的是，100万元的额度已非个例，记者在多家国有 行APP上查询 ...

Core Viewpoint - The automotive consumer finance industry is undergoing significant changes due to regulatory and market pressures, leading to the cessation of the "high interest, high rebate" model that has been prevalent in the market [1][2][3] Group 1: Changes in the Automotive Consumer Finance Model - The "high interest, high rebate" model has been a long-standing practice in the automotive consumer market, creating a unique profit chain among banks, car dealers, and consumers [1] - This model allowed banks to expand their customer base by paying high commissions to car dealers, which could reach up to 15% of the total loan amount, enabling dealers to offer discounts to consumers [1] - The cessation of this model is a response to the hidden risks and traps it posed for consumers, including unclear repayment terms and potential high penalties for early repayment [1][2] Group 2: Implications for Financial Institutions - While the "high interest, high rebate" model helped banks acquire customers, it also led to significant financial burdens due to high rebate costs and increased credit risks [2] - The reliance on high commissions has created a distorted automotive sales ecosystem, leading to unhealthy competition and price wars that could affect the entire automotive supply chain [2] Group 3: Future of Automotive Finance - The end of the "high interest, high rebate" model signifies a shift towards a more transparent, rational, and healthy development phase in automotive finance [3] - Banks are encouraged to innovate financial products and provide value-added services to enhance consumer experience, while car dealers should focus on differentiated services rather than relying on financial rebates [3] - This transformation aims to eliminate vicious competition and reshape the industry ecosystem, ultimately achieving a true "win-win" scenario for all parties involved [3]

"后续汽车贷款无法享受之前高息返点政策。"来自上海的购车者小吴收到汽车4S店销售的一则消 息，称其5月份咨询购车事宜时，谈好的"高息高返"政策指导下的价格，端午节后已被撤回。 小吴对记者说，在与4S店协商时，他看中的一款汽车标价22.98万元，加上保险、上牌、税费等附 加费用后，全款落地总价为24.58万元。但如果选择贷款方案：申请17万元贷款，前两年总利息约 为1.6万元，两年后可提前结清剩余本金。关键在于，提车时银行会提供1万元购车补贴，经销商也 会提供1万的补贴用于车款减免。这样算下来，贷款购车的总成本反而比全款购车低了大几千。 近日，车贷"高息高返"模式被多地叫停。第一财经从多方了解到，部分地区和银行已从6月起暂停此 类业务。四川，河南开封、信阳等地银行业协会亦陆续发布自律公约，剑指高额返佣。 尽管银行尚未普遍发布正式切换通知，但市场预期明确，该模式调整已成趋势。相关银行正讨论这一 议题，因"高息高返"业务模式问题频发且对银行利润造成挤压，可能将暂停相关业务。记者了解 到，目前，存量业务暂不受影响，在无正式文件前仍按原政策执行。业内人士预计，未来两月内全国 多数金融机构将逐步跟进，具体节奏待监管统一部 ...

Core Viewpoint - The banking sector is moving to regulate high-interest, high-rebate auto loan practices, reducing commission rates significantly to promote sustainable growth in the automotive finance market [1][4][6]. Group 1: Changes in Auto Loan Practices - Agricultural Bank of China has halted high-interest, high-rebate practices, reducing car loan commission from 15% to 5%, leading to decreased subsidies for car prices [1]. - Multiple banks across regions like Beijing, Sichuan, and Henan are adjusting their auto loan commission structures under regulatory guidance, aiming to lower actual loan interest rates and enhance service quality [1][2]. - The shift from "loan 5, full 1" to "loan 5, full 2" or even "loan 5, full 3" indicates a tightening of loan terms, reflecting banks' inability to sustain previous subsidy levels [2][5]. Group 2: Market Dynamics and Competition - Auto dealers are incentivized to promote loans due to bank commissions, allowing them to offer lower prices and interest rates to customers [2][3]. - The competitive landscape is characterized by banks attempting to rapidly grow personal loan volumes through high commissions, which is not a sustainable strategy [3][4]. - The prevalence of similar financial products among banks has led to intensified competition, with many banks adopting high-rebate strategies to capture market share [4][6]. Group 3: Regulatory and Self-Regulatory Measures - The Sichuan Banking Association has initiated a self-regulatory agreement to optimize cooperation with auto dealers, aiming to lower actual interest rates and establish reasonable commission rates [6][7]. - Other regional banking associations are also promoting self-regulatory agreements to protect consumer rights and ensure high-quality development in the automotive finance sector [7]. - Regulatory bodies have mandated financial institutions to rectify high-interest, high-rebate practices and adhere to self-regulatory standards to maintain market order [7].

Core Viewpoint - The leadership of Shanghai Bank emphasizes the need for transformation and high-quality development, focusing on three key areas: technology innovation, green finance, and inclusive finance [1] Financial Performance - In 2023, Shanghai Bank achieved a net profit of 23.56 billion yuan, a year-on-year increase of 4.5%, with operating income of 52.99 billion yuan, up 4.79% [2] - In Q1 2024, the bank reported operating income of 13.60 billion yuan, a 3.85% increase, and a net profit of 6.29 billion yuan, growing by 2.3% [2] Liability Management - Shanghai Bank has optimized its liability structure, reducing the cost of liabilities, with a decrease in interest-bearing liabilities' interest rate by 15 basis points in 2024 and 43 basis points in Q1 2025 [3] - The bank aims to reduce high-interest deposits by 50 billion yuan in 2024, with a 4.1 percentage point decrease in the proportion of three-year and above personal deposits [3] Sustainable Development Strategy - The bank plans to enhance its sustainable development capabilities by focusing on serving the real economy and improving professional service capabilities [4] - Talent management is highlighted as a key resource, with a focus on training and team building to enhance employee motivation and operational vitality [4] Risk Management - Shanghai Bank has accelerated the resolution of existing risks, with over 20 billion yuan in risk asset resolution maintained for three consecutive years, reaching 24.6 billion yuan in 2024 [5] - The bank has implemented a differentiated management approach for real estate risks, focusing on stabilizing total volume, strengthening post-loan management, and optimizing structure [6] Credit Growth Targets - For 2025, Shanghai Bank aims for a credit growth target of around 5%, with a focus on maintaining quality while achieving reasonable growth [7] - The bank plans to increase corporate credit issuance to over 600 billion yuan in 2025, with a growth rate of over 6% [7] - In retail lending, the bank targets a positive growth rate of 5-6% in 2025, with a focus on housing and automotive loans, particularly in the new energy vehicle sector [7]