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高位股集体大跌

银行发力双11！24期免息+满减返现 国有行城商行齐放大招_蜘蛛资讯网

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方面，一是融资成本低，依托雄厚的资金实力，银行分期真实年化普遍低于花呗、白条等消费贷工具；二是客群广泛，覆盖面广，覆盖储蓄卡、信用卡全客群，且可联动多平台细化优惠。　　不过，周毅钦也指出，另一方面，银行消费贷的便捷性不足，流程相对较多，不及花呗、白条线上秒批便捷。用户数据积累不足，所以画像构建比较滞后，难以像互联网大厂实现千人千面的针对性营销。　　今年以来，银行业普遍息差承压趋势仍未改善。截至今年

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