Nan Fang Du Shi Bao·2025-09-28 10:53Core Insights - The article highlights the significant impact of the personal consumption loan interest subsidy program initiated by China Construction Bank (CCB) in Guangdong Province, which has successfully attracted a large number of customers and boosted consumer spending [2][4][11] Group 1: Consumer Loan Subsidy Program - CCB Guangdong Province has seen a total of 5,833 new customers benefiting from the interest subsidy program, with a total loan amount of 103 million yuan issued from September 1 to 24 [2] - The subsidy program, effective from September 1, 2023, offers a 1% annual interest subsidy for personal consumption loans, with a maximum subsidy limit of 3,000 yuan per customer [4][7] - The program covers various consumption categories, including home appliances, automotive purchases, healthcare, and education, enhancing consumer access to financing [7][11] Group 2: Innovative Financial Products - CCB has introduced innovative products like "Yangyidai," which targets employees with pension contributions, allowing them to access loans for various elder care and travel needs [4][11] - The bank's product matrix includes "Jianyidai," "Fangyidai," and "Yangyidai," each with a maximum loan amount of 1 million yuan and a term of up to 7 years, with interest rates starting at 3.0% [11][10] - The "Kuaidai" product offers internet-based credit loans with a maximum limit of 300,000 yuan and a term of up to 3 years, with interest rates starting at 3.3% [10] Group 3: Implementation and Customer Experience - CCB has established a dedicated team to implement the subsidy program, ensuring effective communication and training across branches [5] - The bank has created a user-friendly mobile banking interface for customers to easily access subsidy information and apply for loans [8] - The subsidy is automatically applied to loan interest, simplifying the process for consumers and enhancing their experience [8][9] Group 4: Economic Impact and Future Outlook - CCB's efforts align with national strategies to boost consumer spending, with the bank's personal consumption loan scale exceeding 50 billion yuan and over 42 billion yuan disbursed this year [11][12] - The bank plans to continue advancing its consumer finance initiatives, focusing on product innovation and supporting consumption upgrades in the Guangdong-Hong Kong-Macao Greater Bay Area [12]