恒丰银行：金融供给提质增效 激发消费新动能

Core Viewpoint - Hengfeng Bank is leveraging its position in Beijing to enhance consumer support through innovative financial products and digital services, aiming to stimulate economic circulation and contribute to the construction of an international consumption center city [1]. Group 1: Consumer Support Initiatives - Hengfeng Bank has conducted over 100 consumer benefit activities in Beijing this year, injecting strong financial momentum into the economy [1]. - The bank's efficient mortgage service has reduced the application to disbursement time to five working days, significantly aiding customers like Mr. Wu in purchasing homes and stimulating related consumption [4]. - As of June this year, the mortgage loan balance at Hengfeng Bank's Beijing branch increased by 40% compared to the beginning of the year, reflecting a rapid growth in housing credit [4]. Group 2: Digital Financial Services - Hengfeng Bank offers a dual-mode loan service for personal credit consumption, with "Hengyin e-loan" providing online approvals in as little as 5 minutes and a maximum limit of 300,000 yuan [5]. - The bank's digital credit card and "Fengwan Plan" series activities are designed to accelerate consumer spending, with 58% of credit card customers willing to use digital credit cards for purchases [8]. - The bank has implemented various initiatives such as debit card fee waivers and random discounts to effectively lower living costs for new citizens in Beijing [8]. Group 3: Community Engagement and Financial Literacy - Hengfeng Bank has deepened collaboration to build a consumption promotion system, covering over 50,000 new citizens through financial knowledge dissemination and convenient payment tool promotion [11]. - The bank's "Five Entering" theme activities have reached numerous communities, businesses, and campuses, enhancing consumer confidence among both the elderly and new citizens [11]. - The bank aims to provide warm, efficient, and intelligent financial services to better serve the high-quality development of the capital's economy and society [11].