Leadership wants to grow balances by $2 billion next year. Option A loosens underwriting: the new segment has a 24% APR and an 8% loss rate. Option B ramps up marketing to win prime customers: 18% APR and a 3% loss rate, but with higher acquisition costs. Cost of funds is 5% for both, and the economy may be turning down. Which would you recommend?

老板要明年余额多增长20亿美元。方案A放宽审批，新客群APR 24%、损失率8%；方案B加大营销拉优质客户，APR 18%、损失率3%，但获客成本更高。资金成本都是5%，而且经济可能转差，你推荐哪个？