Di Yi Cai Jing·2025-08-22 05:11Core Viewpoint - The article highlights the proactive measures taken by the Chinese government and financial institutions, particularly China Construction Bank (CCB), to stimulate and support automobile consumption through innovative financial products and services aimed at enhancing consumer experience and accessibility [1][3]. Group 1: Government Policies and Financial Support - The People's Bank of China and six other departments issued guidelines to enhance consumer spending, emphasizing the importance of financial support in key consumption areas, including automotive loans [1][3]. - CCB has launched various initiatives to align with government policies, including the introduction of a "zero down payment" car loan service, reducing the financial burden on consumers [3]. Group 2: CCB's Automotive Financial Products - CCB has continuously innovated its automotive financial products, including the recent upgrade of the "Dragon Card Auto Card" to the "Dragon Card Auto Card American Express Platinum," which offers various benefits tailored to modern car owners [2]. - The new card includes features such as discounted electric vehicle charging, free designated driving services, and complimentary car washes, enhancing the overall customer experience [2]. Group 3: Collaboration and Market Reach - CCB has established partnerships with over 80 major automotive brands, providing financing options for new and used cars, as well as related expenses like insurance and taxes, with a maximum installment amount of 1 million yuan and a repayment period of up to five years [2]. - The bank has also focused on supporting the consumption of new energy vehicles by collaborating with leading brands like Tesla and NIO, ensuring comprehensive coverage of the market [2]. Group 4: Impact on Consumer Behavior - CCB's initiatives have significantly impacted consumer behavior, with the bank serving approximately 95.95 million car owners and facilitating nearly 800,000 car purchase transactions through credit card financing in the first half of 2025 [4]. - The bank's efforts in promoting automotive consumption, including the distribution of government subsidies through its platforms, have contributed to a substantial increase in consumer spending, estimated to be close to 10 billion yuan [4].