Nan Fang Du Shi Bao·2025-09-28 10:58Core Viewpoint - The introduction of consumer loan interest subsidies by China Construction Bank (CCB) is significantly benefiting consumers, enhancing their purchasing power and stimulating the local economy in Guangdong province [1][2][8]. Group 1: Consumer Loan Interest Subsidy Program - CCB's Guangdong branch reported that from September 1 to 24, 2023, it added 5,833 new customers for personal consumer loans with a total subsidy amount of 103 million yuan [1]. - The subsidy program, effective from September 1, 2023, offers a 1% annual interest subsidy on eligible consumer loans, with a maximum subsidy cap of 3,000 yuan per customer [2][4]. - The program covers various consumer categories, including home appliances, automobiles, healthcare, and education, with specific limits based on loan amounts [4][5]. Group 2: Product Offerings and Consumer Engagement - CCB has developed a range of consumer loan products, including "Jianyi Loan," "Fangyi Loan," and "Yangyi Loan," each with a maximum loan amount of 1 million yuan and a minimum interest rate of 3.0% [7]. - The bank has established a dedicated team to facilitate the implementation of the subsidy program, ensuring effective communication and service delivery to customers [3]. - The user-friendly mobile banking platform allows customers to easily access subsidy information and apply for loans, enhancing customer experience [6]. Group 3: Economic Impact and Future Outlook - CCB's consumer loan initiatives align with national strategies to boost consumption, with the bank's personal consumer loan scale exceeding 50 billion yuan and over 42 billion yuan disbursed this year [8][9]. - The bank aims to continue innovating its consumer finance products and support the upgrading of consumer spending, contributing to the economic vitality of the Guangdong-Hong Kong-Macao Greater Bay Area [9].