Zhong Guo Ji Jin Bao·2025-12-01 03:03Core Viewpoint - The article emphasizes the importance of consumption in driving high-quality economic development and improving people's lives, highlighting the initiatives taken by China Construction Bank (CCB) in Shenzhen to boost consumer spending and support local economic growth [1] Group 1: CCB's Initiatives to Promote Consumption - CCB Shenzhen Branch has implemented five key measures to enhance consumer spending, including promoting installment consumption, strengthening government-bank collaboration for trade-in activities, offering personal consumption loan benefits, implementing interest subsidy policies, and creating consumption scenarios [2][3] - The bank has provided over 5 billion yuan in credit card installment services for residents in Shenzhen from January to October, with nearly 2 billion yuan allocated to the new energy vehicle sector, making it the largest service provider in the region [2] - CCB has partnered with over 5,000 merchants to facilitate trade-in activities, resulting in over 102 million yuan in consumer spending, benefiting residents with tangible financial incentives [2] Group 2: Personal Consumption Loans and Interest Subsidies - CCB has optimized personal consumption loan policies, reducing average loan interest rates by over 30 basis points, and has served over 400,000 loan customers with a total loan support exceeding 30 billion yuan, marking a 21% year-on-year increase [3] - The bank was among the first to launch interest subsidy features for consumption loans, serving over 32,000 customers and facilitating more than 91,600 transactions within two months of the policy's implementation [3] Group 3: Green Consumption and New Consumption Ecosystem - CCB has focused on supporting green consumption, particularly in the new energy vehicle sector, with a comprehensive financing service that covers all major brands, allowing customers to complete the financing process online [4][5] - The bank has also introduced promotional activities for green home appliances, benefiting 14,000 residents and driving over 100 million yuan in green appliance consumption [5] - CCB aims to deepen collaboration with major commercial partners to create a vibrant consumption ecosystem, moving beyond being a mere payment channel to actively participating in marketing and consumer engagement [5]