滨州农商银行：精准施策多措并举，以金融之力激活消费“主引擎”

Core Viewpoint - The company recognizes that consumption is a lasting driver of economic growth and aims to boost and expand consumption as a key initiative to serve local economies and enhance people's well-being [1] Group 1: Product Innovation - The company has innovatively launched and continuously optimized exclusive credit products such as "Zhu Min Loan" and "Xin E Loan," which feature low thresholds, simple procedures, quick approvals, and favorable interest rates [2] - These products effectively lower financing costs and barriers for residents in major consumption areas such as vehicle purchases, home renovations, leisure travel, and daily shopping, encouraging consumers to spend [2] - Special credit support is provided to key demographics such as recent graduates, new citizens, and youth, helping them settle down and unleash their consumption potential [2] Group 2: Channel Expansion - The company leverages its extensive network of branches and strong customer manager teams to extend financial services to rural communities, enterprise parks, and specialized markets [3] - Regular activities such as "Inclusive Finance into Thousands of Homes" and "Financial Knowledge to the Countryside" are conducted to deliver policies, products, and services directly to consumers [3] - Weekly matchmaking meetings are organized to integrate consumption scenarios into financial services, achieving seamless connections between finance and consumption, thereby enhancing convenience and user experience [3] Group 3: Technology Empowerment - The company promotes online channels such as mobile banking and internet banking, optimizing the entire online process for products like "Xin E Loan" to enable one-click applications, rapid approvals, and instant disbursements [4] - These initiatives significantly enhance the accessibility and convenience of consumer finance [4] - As a result of these effective measures, the company has disbursed a total of 1.129 billion yuan in consumer loans, translating into tangible benefits for residents, such as purchasing vehicles, renovating homes, and enjoying local travel [4]