Di Yi Cai Jing·2025-12-12 01:26Core Viewpoint - The article emphasizes the role of credit cards in boosting and expanding consumption, aligning with the strategic focus on domestic demand expansion as outlined by the Chinese government [1][2]. Group 1: Financial Services and Economic Support - Credit cards are highlighted as essential financial products that connect consumers with merchants, thereby supporting the real economy [1]. - China Construction Bank (CCB) credit cards have driven over 13 trillion yuan in social consumption during the 14th Five-Year Plan period, with a loan balance exceeding 1 trillion yuan, marking a significant achievement in consumer finance [1]. - CCB aims to enhance its role in expanding domestic demand through targeted consumer financial services by 2025, focusing on various consumption scenarios [1]. Group 2: Policy Support and Consumer Demand - In 2025, multiple favorable policies from the State Council and various ministries are expected to stimulate consumption and support economic recovery [2]. - CCB is actively engaging in initiatives that promote consumer spending, particularly in sectors like home appliances and digital products, through credit card installment payment promotions [2]. Group 3: Large-Scale Consumption Initiatives - CCB is focusing on large-scale consumption areas such as new energy vehicles and home decoration, offering significant financial support through installment plans and promotional events [3]. - The bank provides car financing options with loan amounts up to 2 million yuan and terms of up to 5 years, including a "zero down payment" service to alleviate consumer pressure [3]. Group 4: Consumer Experience and Brand Development - CCB is creating a comprehensive consumer ecosystem under the "Enjoy Fun" brand framework, integrating travel, food, and shopping to enhance daily consumer experiences [4]. - The bank has established a long-term mechanism for seasonal travel promotions and partnered with major platforms to create a robust travel consumption network [4]. Group 5: Shopping and Dining Promotions - CCB has launched extensive online and offline shopping promotions, collaborating with major e-commerce platforms to offer various discounts and rewards [5][6]. - During the "66 Festival" in 2025, CCB distributed 20 billion points to customers, significantly boosting consumer spending [6]. Group 6: Targeted Consumer Insights - CCB is leveraging consumer insights to develop diverse card products that cater to specific customer needs, such as movie enthusiasts and car owners [7]. - The bank is upgrading its credit card offerings to enhance payment convenience for both domestic and international transactions, ensuring a seamless experience for cardholders [7].