场景创新”与“服务优化”双管齐下：看广发银行如何赋能消费“又快又好又省钱

Core Insights - The retail and wholesale volumes of passenger cars in China reached historical highs in September, with retail sales hitting 2.241 million units, a year-on-year increase of 6.3% and a month-on-month increase of 11% [1] - Financial support has played a crucial role in boosting consumer demand, with the People's Bank of China and other departments issuing guidelines to enhance financial services for consumption [1] - Guangfa Bank has launched a personal consumption loan interest subsidy program to lower credit costs for consumers, stimulating market potential and contributing to economic growth [1] Demand Side - The introduction of the consumption loan interest subsidy has led to increased consumer interest in purchasing household vehicles, with banks focusing on promoting personal auto loan products [2] - Guangfa Bank's "Car E-Loan" product offers differentiated services, including online application processes and flexible payment options, making car purchases more accessible for families [2][3] Supply Side - Guangfa Bank's innovative approach allows for automatic identification of eligible transactions for interest subsidies, providing a seamless experience for consumers [4] - The personal consumption loan interest subsidy policy aims to enhance financial support for consumption, reduce credit costs, and improve living standards [4] Service Side - The expansion of consumer finance into various sectors is seen as a way to stimulate domestic demand and improve living conditions [6] - Guangfa Bank has partnered with major automotive manufacturers to offer installment plans, making it easier for consumers to finance their vehicle purchases [6]