The income mechanism of account managers in each bank is different, and the income of loan officers in general commercial banks mainly comes from spreads. For example, the cost of "buying" bank deposits is 3%, and the cost of "selling" to account managers is 5%. The account manager decided to give 5-8% interest according to the customer's qualification. Among them, the salesman's commission is called interest margin. The larger the amount, the more the account manager earns (usually specific to the number of days the customer uses). But the same risk is greater, because once overdue, the commission will be goodbye.