"Peak hours" shift to "average daily hours", banks' "mid-year exams" logic has changed.

As the end of the first half of the year approaches, discussions on social platforms about "end-of-the-half sprint", "surpassing the halfway mark" and "bank employees working overtime to make phone calls" have significantly increased. What is different this year is that the assessment logic of banks is quietly changing. An employee from a joint-stock bank told reporters that in the past, bank assessments focused more on the performance data at key points such as the end of the month, end of the quarter, and end of the half-year. However, this year, loan assessments are placing more emphasis on the daily average scale. "The earlier and longer the loans are made, the greater the contribution to the daily average assessment. Temporary fund transfers and short-term boosts are significantly weakening in improving performance," the aforementioned bank employee said. The battle for deposits is also heating up. Since June, several small and medium-sized banks have issued large-denomination time deposits, and small and medium-sized banks such as Huashang Bank and Xiuwen Rural Commercial Bank have introduced limited-time deposit products, with some term products offering interest rates of over 2%, which are rare high-yield varieties in the current deposit market. The main reason for the end-of-half-year sprint is that small and medium-sized banks are increasing their efforts to attract deposits.