1. The government conducts supervision through banks. Due to the prevalence of private lending and the relatively high interest rate of private lending, many people invest in private lending from bank loans and earn a lot of difference. . In order to control private lending, the state has tightened credit through banks to cool down private lending.

2. Faced with the current economic situation in China, banks have shrunk their funds to prevent risks from all aspects. The risk comes from private lending, which reduces the monthly deposits of the four major banks by 300 billion yuan and increases the risks of banks. In addition, the state is regulating real estate. If the price of real estate is reduced, banks will be hit hardest, because developers' mortgage loans and bank loans. Recently, the financial supervision department pointed out that banks can withstand the impact of a 40% drop in house prices. These difficulties require banks to shrink their funds to deal with them!