In the first week of the new year, bank credit lines have reached a “full bow.” From project reserves to approval and implementation, from structural adjustments to a change in style of play, the pace of credit investment accelerated markedly at the beginning of the year, showing new changes in “early deployment, quick launch, and emphasis on quality.” In a context where net interest spreads are under pressure, credit investment in the beginning of the year is no longer just “scale first.” A number of bankers said that this year, more emphasis is being placed on the synergy of pace, structure, and style of play: on the one hand, seize the pre-Spring Festival window and implement “investment projects” as soon as possible; on the other hand, simultaneously optimizing credit structures and upgrading service models to “set the tone” for business development throughout 2026.

In the first week of the new year, bank credit lines have reached a “full bow.” From project reserves to approval and implementation, from structural adjustments to a change in style of play, the pace of credit investment accelerated markedly at the beginning of the year, showing new changes in “early deployment, quick launch, and emphasis on quality.” In a context where net interest spreads are under pressure, credit investment in the beginning of the year is no longer just “scale first.” A number of bankers said that this year, more emphasis is being placed on the synergy of pace, structure, and style of play: on the one hand, seize the pre-Spring Festival window and implement “investment projects” as soon as possible; on the other hand, simultaneously optimizing credit structures and upgrading service models to “set the tone” for business development throughout 2026.