Simply put, stock loans refer to the total amount of loans granted by commercial banks to various customers (including individuals, enterprises and real estate developers) in the past period of time. As one of the core indicators of bank operation, it is not only a barometer of economic activities, but also reflects the health of the credit market.

For borrowers, having more stock loans means that banks have higher trust in them and may be more likely to obtain new loans and financial services. But it may also bring risks to banks, because excessive concentration of existing loans may lead to increased asset quality risks. In order to balance interests, banks will take a series of measures to manage risks.

These measures include strengthening the risk management strategy, reasonably controlling the loan scale, improving the customer credit approval standard, and adjusting the loan interest rate when necessary. These measures are aimed at reducing bank risks and ensuring the stability and long-term development of loan business. Through these measures, banks can maintain a healthy and balanced credit environment.