Core Insights - China Construction Bank (CCB) has launched a consumption finance initiative themed "Boosting Consumption and Expanding Domestic Demand," integrating credit, scenarios, payments, and derivative services [1] - As of the end of September, CCB's personal consumption loan balance reached 645.8 billion yuan, with new loans exceeding 100 billion yuan this year, an increase of 94 billion yuan compared to the same period last year, leading the industry in both balance and new loans [1] Group 1: Consumption Finance Initiatives - CCB has actively supported the "old for new" consumption policy and has issued nearly 7.5 billion yuan in government consumption subsidies across 190 cities, driving consumption transactions worth 65.4 billion yuan [1] - The bank's Jiangsu branch has successfully undertaken 164 government consumption promotion projects since 2022, enhancing consumption in key sectors such as dining, retail, automotive, and home appliances [2] - CCB's Yunnan branch has conducted a "Shopping Festival" across over 230 outlets, generating more than 1 million yuan in transaction volume and serving over 50,000 customers [2] Group 2: Financial Product Innovations - CCB has introduced innovative financial products like "民宿贷" (Homestay Loan) to support the tourism sector, offering low-interest, unsecured loans to business owners [3] - The bank has also launched "养易贷" (Easy Aging Loan) aimed at elderly customers, providing quick financing based on annuities, with a streamlined application process [4] - CCB's focus on service consumption sectors has led to a loan scale exceeding 1 trillion yuan in areas such as tourism, culture, sports, health, education, and elderly care, with a growth of over 60% since the end of 2022 [2][3]
专项行动显成效 建行多举措“助燃”消费