Continuing from the previous one, the importance of a good start (taking banks as an example)

Why is every bank scrambling for a "good start"?

Every year, banks will set off a "good start" craze. During the three-month period, banks have to complete an average of 40% of the annual task. Not only do deposits have to compete for everyone's year-end bonuses, but loans must also strive to be released in advance in the first quarter to maximize the annual benefits. Otherwise, the completion of the annual task will be slow and even difficult to complete!

Now there is basically no need to worry about deposits. Loans have become the main focus of everyone's competition during the good start period. This time has become the biggest welfare window period for loan customers, especially small and micro enterprises, and personal loans:

First, the interest rate is lower and the preferential strength is unprecedented. For example: the interest rate of operating loans has dropped, the handling fee of credit loans has been reduced, and the interest rate of the first year installment has been discounted.

Second, the loan amount is more sufficient, especially for some situations where you need to apply for a larger amount of operating loans but your own conditions can be loose or tight. If you choose to submit an application during the good start period, the probability of passing will be higher and the amount you get will be more sufficient.

Third, in order to attract customers, some banks may appropriately lower the application threshold and make approval more flexible. Requirements such as proof of income and verification of business flow may be relaxed; personal and corporate credit defects may be treated flexibly; collateral evaluation standards may be more flexible; some loan products may be directly exempted from mortgages and guarantees, actively provide credit loans, and renew loans without repayment of principal when loans expire, etc. #比特币走势观察 #比特币战略储备