At present, the interest rates of consumer loans in most banks have been lowered, and some of the lowest interest rates have only reached 3.8%, which is indeed a very exciting thing for some consumers. This is also because under the influence of the epidemic, the entire consumer economy has declined. In order to stabilize the economy, some policies have been introduced, and the whole personal consumption credit market is gradually picking up, so some banks have adopted this way to promote consumption and make the economy grow steadily. Although the bank's consumer loan interest rate is also decreasing, according to consumers' understanding, not everyone can enjoy relatively large preferential strength, and they also provide the lowest consumer loan interest rate for some customers with relatively high consumption, while other businesses with relatively little business can't enjoy relatively low consumer loans.
The adjustment of consumer loan interest rate is also to achieve some political achievements, and it also requires corresponding social responsibilities in policy. It is necessary to reduce the interest rate of consumer loans to support high-quality economic development. Including the reduction of consumer loan interest rates by banks, is also a blow to some social consumer finance companies and residential loan platforms. But on the whole, the reduction of consumer loan interest rate is not a long-term process, and it may continue to increase soon.
Finally, in any case, it is a good policy for banks to lower the interest rate of consumer loans. For most people, the economic pressure is much less, but we still have to spend rationally.