Zhong Guo Jin Rong Xin Xi Wang·2025-12-11 07:34Core Insights - The article highlights the successful implementation of digital financial services by China Construction Bank (CCB) in Shandong, benefiting nearly 5 million consumers through initiatives like the "CCB Life" app, which offers discounts and subsidies to enhance consumer spending [1][2] Group 1: Consumer Engagement and Benefits - CCB's Shandong branch has effectively aligned with national strategies to boost consumption and expand domestic demand by integrating government subsidies, merchant digital transformation, and consumer benefits into a cohesive ecosystem [2] - The "CCB Life" app allows users to easily access government subsidies, streamlining the process of redeeming discounts at participating merchants, which has led to increased sales for businesses [2] Group 2: Technological Innovations - CCB has introduced OCR image recognition technology to simplify the "old-for-new" exchange process, allowing users to upload identification and invoices for automatic data recognition, thus enhancing user experience [2] - The bank has expanded payment options by integrating with 11 local banks, facilitating easier transactions for consumers and reducing payment barriers [2] Group 3: Risk Management and Consumer Protection - CCB has established a comprehensive intelligent risk control system to safeguard consumer rights and ensure the integrity of transactions, effectively identifying and preventing fraudulent activities [3] - The bank emphasizes a full-cycle service approach, providing support before, during, and after transactions to enhance consumer confidence and satisfaction [3] Group 4: Economic Impact and Community Engagement - As of November, CCB's initiatives in cities like Yantai and Jinan have generated nearly 4.3 billion yuan in sales for businesses and served over 3,600 enterprises, positively impacting around 720,000 households [4]