The lowest drop in consumer loan interest rates of the six major banks even reached 3.7%, which seems to stimulate domestic consumption, but in fact, there are indeed many thresholds hidden behind these counterfeit banknotes, which is not a good thing. Of course, the reason why the major banks launched this market is actually because of the competitive pressure from all sides. It is impossible to compete only by this interest rate.

? Of course, this interest rate cut is not aimed at every consumer, but only at some high-quality customers. This interest rate has really tempted many people. If you really want to get this lowest interest rate, it is difficult to meet the requirements. Generally speaking, only some high-quality wealth management customers of banks can get this opportunity. As ordinary consumers, they can't get this minimum interest rate, and even they are not eligible to apply.

? This is under the epidemic, enterprises in all industries have been hit hard, and banks are no exception. The reason why such quotas and policies are introduced is actually just to attract consumers, which is equivalent to a propaganda means. Even some banks have introduced family reserves for special users. As long as it meets the conditions, it can be used and borrowed.

? From the macro environment, in fact, these measures are also to cope with the downward pressure of the domestic economy, and at the same time, the consumer demand of residents will gradually recover. This practice is also to promote the demand for consumer credit, but this situation is definitely only a short-term promotion, and every user should calmly consider it.

? If the bank can really give these preferential activities to every ordinary consumer, it is really good news for everyone, but it will also have some bad effects. If everyone becomes dependent on this kind of consumption, it will become a new vicious circle. In a word, rational consumption is necessary.

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