支持以旧换新 银行业大有可为

Core Viewpoint - The article discusses the role of banks in supporting the implementation of the 2025 policy for large-scale equipment updates and the trade-in of consumer goods, emphasizing the importance of innovative consumer credit products and enhanced service delivery to facilitate consumer upgrades and improve living standards [1][2]. Group 1: Consumer Credit Innovations - Banks can innovate consumer credit products specifically for trade-in businesses, such as long-term, low-interest auto loans to ease the financial burden on consumers upgrading their vehicles [1]. - For home appliances and digital products, banks can develop short-term, small-amount consumer credit products to enable quick funding for new purchases, accelerating the replacement cycle of household goods [1]. Group 2: Service Optimization - Banks have significant potential to optimize service processes by leveraging financial technology, utilizing big data analysis and AI risk control to quickly assess consumer credit status and reduce loan approval times to mere hours [1]. - Online and offline service channels should be enhanced, with mobile banking apps and dedicated in-branch services for trade-in financing, providing consumers with comprehensive support for loan applications and management [2]. Group 3: Risk Management and Resource Recovery - Banks need to strengthen risk management by rigorously assessing the creditworthiness of loan applicants using multi-dimensional credit evaluation models, considering income levels, credit history, and debt situations [2]. - Active participation in resource recovery system construction is essential, with banks providing financing support to recycling companies to improve resource recovery efficiency and promote a circular economy [2].