The first quarter of every year was a time when banks tried to “get off to a good start” and concentrate on lending. From an investment perspective, since this year, banks have accelerated the pace of optimizing and adjusting loan structures, and have increased their layout in key areas such as specialized, innovative, and advanced manufacturing around “promoting innovation.” At the same time, banks have increased their investment in the personal loan business by lowering interest rates on consumer loans and operating loans, further helping to “expand domestic demand.” Furthermore, with policy support, protecting rational financing in the real estate sector has become a new focus of bank credit work this year.