[Redemption credit is raised to the account before 8:00 the next day. Bank financial management has shifted from "revenue" to "service"] On October 29th, from "T+1" to "T+0.5" to "T+0.25", the credit time has moved all the way forward. The "early eight" race for redemption of wealth management products may be nearing the end. The interviewees judged that the arrival at 8:00 the next day was close to the time limit of the operation link, and the space for further compression was relatively limited. Although service capabilities will not replace profitability as the main watershed in competition, they will become an important plus. Industry insiders generally believe that this reflects that industry competition is shifting from "revenue-based" to "service-based". (Shanghai Securities News)