"尊敬的客户，您在我行信用良好，特邀您办理'XX贷'，最低可优惠至3.0%，额度最高可至30万元，额 度、利率以最终审批结果为准。"临近春节，此类消费贷营销信息也开始密集出现在消费者的生活中。 广州农商行一位客户经理向北京商报记者介绍，该行"金米消费贷款"系列正推出多重限时福利，活动持 续至3月底。其中，"金米指尖贷"每周三上午8点派送100张9.5折利率券，先到先得，该产品支持线上秒 批秒贷，额度最高30万元，可选择3年期限及1年内先息后本还款方式，使用利率券后年化利率低至 3.02%；"金米消费e贷"则针对特定客群给出专享利率最低3%的特惠，额度最高可达100万元，期限最长 7年，还款方式更为灵活，涵盖等额本息、混合还款、按月还息按计划还本及先息后本等多种类型。不 过，该特惠活动主要面向公务员、国企单位员工及该行存量客户等优质客群。 事实上，在北京商报记者的咨询中，类似的营销活动并非个例。建湖农商行某网点客户经理表示，该行 消费贷优惠活动截至3月31日，首次办理贷款的新客户无需额外条件，即可领取5万元10天免息体验券。 阳城农商行客户经理也透露了该行的多重花式优惠玩法，"我行消费贷利率根据客户资质评估，并 ...

（来源：北京商报） 为何银行会在年初集中发力消费贷"开门红"？中国（香港）金融衍生品投资研究院院长王红英分析指 出，从政策层面看，监管机构鼓励商业银行支持消费经济发展，向信用良好的个人发放消费贷，是我国 经济向消费驱动转型的重要金融举措。从业务发展角度，通过"开门红"集中开展消费贷业务，能更高效 地锁定高质量、高信用客户；从中长期来看，银行在深耕对公业务的同时拓展消费贷，也是行业结构化 转型的主要方向。加之当前整体利率下行，银行通过发放优惠券等方式下调实际利率，既能顺应市场趋 势，也能锁定客户、通过关联业务获取综合收益。 谈及在冲刺业绩的同时，银行应如何做好信贷风险防控，开源证券银行首席分析师刘呈祥指出，其关键 在于避免过度依赖"价格战"，而应优先服务有真实消费场景的优质客户；强化风控前置，运用大数据严 查资金用途与负债水平，防止套利与过度借贷；动态调整策略，在规模冲刺后及时退出低息活动，转向 额度、期限等非价格竞争。 折扣拼团优惠轮番上阵 1月28日，北京商报记者调查发现，为冲击"开门红"业绩指标，中小银行已成为此次消费贷"开门红"营 销的主力军，首贷立减、拼团、多业务叠加优惠等花式玩法轮番上阵。 广州农商 ...

"尊敬的客户，您在我行信用良好，特邀您办理'XX贷'，最低可优惠至3.0%，额度最高可至30万元，额度、利率以最终审批结果为准。"临近春节，此类消 费贷营销信息也开始密集出现在消费者的生活中。 北京商报记者近期调查发现，为冲击年初"开门红"业绩指标，银行消费贷市场的花式营销正全面铺开，通过首贷立减、拼团、多业务叠加优惠等花式玩法， 间接调降消费贷实际到手利率。在业内人士看来，这一举措既顺应了整体利率下行趋势，也能提前锁定客户资源、获取综合收益，是银行每年"开门红"期间 的核心经营策略之一。 对于2026年银行信贷投放走势及消费贷"开门红"的实际影响，刘呈祥预测，2026年银行信贷仍将延续"早投放、早收益"思路，1月信贷投放节奏可能呈现中 旬逐渐增强走势。不过，从实际影响看，短期消费贷的"开门红"营销能在一定程度上提升其在一季度信贷投放中的占比，但作用可能有限。他分析称，这类 活动通过低利率吸引客户，短期内能快速做大规模，推动消费贷余额显著增长，但占比提升受制于两大因素：一是对公贷款（如基建、制造业）仍是信贷主 力，二是消费贷自身风险暴露后，银行可能主动收紧额度。 1月28日，北京商报记者调查发现，为冲击"开门 ...

Core Viewpoint - Guangzhou Rural Commercial Bank has demonstrated steady growth in total assets and revenue while enhancing its support for the real economy, particularly in agricultural finance, as evidenced by its recent performance report and initiatives aimed at rural development [1][2][3]. Group 1: Financial Performance - As of the end of 2024, the bank's total assets reached 1.36 trillion yuan, with operating income of 15.832 billion yuan, indicating a steady increase in asset scale [1]. - The bank's agricultural loan balance stood at 40.135 billion yuan, with a 26.39% increase in the number of supported agricultural enterprises compared to the beginning of the year [1]. Group 2: Financial Innovation and Product Development - The bank established a working group for the "Hundred Counties, Thousand Towns, and Ten Thousand Villages" project, launching innovative financial products tailored to local agricultural needs, including the "Rural Revitalization Preferred Loan" with a credit limit of up to 50 million yuan [2]. - New financial products such as "Golden Rice Flower Loan" and "Golden Rice Homestay Loan" were introduced to support local特色产业 and promote rural tourism [3]. Group 3: Support for Rural Development - The bank has launched collective construction land "credit loans" and "project loans" to address the issue of rural property not being eligible for collateral, supporting over 100 projects with more than 2 billion yuan in funding [4]. - The bank's rural credit products have benefited nearly 6,500 households, with a total loan balance exceeding 2.2 billion yuan for various consumer loan products [4]. Group 4: Technological Empowerment and Governance - The bank has enhanced its technological capabilities in rural governance, implementing a rural asset management platform and various smart systems to improve financial services in rural areas [5][6]. - The "Village Asset Treasure" system has been deployed across multiple districts, with a significant increase in signed clients, indicating a successful outreach strategy [5]. Group 5: Community Engagement and Social Responsibility - The bank has actively engaged in community support, donating 1.9 million yuan and purchasing local agricultural products worth approximately 4.5 million yuan to aid rural enterprises [8]. - Initiatives like "Silver Society Assistance for Agricultural Promotion" have provided substantial financial support to over 230 administrative villages, reinforcing the bank's commitment to rural revitalization [8].