[Consumer Loan Interest Rates as Low as 2.58%] Recently, a journalist conducted a survey and found that several banks, including China Merchants Bank, Jiangsu Bank, Ningbo Bank, and Beijing Rural Commercial Bank, have intensified efforts to promote consumer loans. They aim to attract borrowers' attention through various measures such as lowering interest rates, increasing loan limits, issuing interest rate discount coupons, diversifying usage scenarios, and speeding up loan disbursement. Industry insiders believe that, in order to control credit risk, stabilize the non-performing loan ratio of retail loans, and optimize the structure of retail loans, banks strictly control the access threshold for low-interest loans. By allocating limited low-interest loan resources to high-quality customers, banks can enhance their competitiveness in the battle for premium customer groups.