The article states that recently, many Banks have launched a new round of discounts on consumer loans. In this round of discounts, some Banks have seen consumer loan rates drop below 3% again. For Banks, if the consumer loan market experiences excessive 'price wars,' it will be detrimental to Banks' risk management. Extremely low consumer loan rates may also lead some borrowers to engage in arbitrage, easily causing some consumers to accumulate excessive debt, which could generate localized asset bubble risks. Consumer loan rates are not better the lower they are; Banks should ensure the 'reasonableness' of consumer loan rates, conducting scientific calculations based on actual economic development, public demand conditions, and the direction of consumer loan business development in Banks, to avoid blind rate cuts.