At the beginning of the new year, an unarmed war in the banking sector—spring marketing campaigns have quietly begun. As a key element in supporting the real economy, banks often press the "accelerate button" on Crediting at the start of the year, maintaining a sprinting momentum as they start. Recent investigations by reporters into several large banks and regional small and medium-sized banks showed that compared to past years, many banks have adopted a steady and pragmatic approach this year, focusing more on optimizing and adjusting the Crediting structure.