There are 11/29 commercial bank branches with positive growth, the rest have negative growth. This poses a challenge for banks in promoting the loan demand of customers, especially corporate customers. In particular, lowering lending interest rates is the optimal solution that banks deploy. Currently, popular short-term business loan interest rates of state-owned commercial banks hover around 6%/year. Along with that, they are simplifying lending procedures to provide maximum support to customers with loan needs, thereby stimulating growth in the credit market.