Bei Jing Shang Bao·2025-12-12 10:06Core Insights - The forum focused on how inclusive finance can transition from a "red ocean" to a "new blue ocean" of consumption, emphasizing the role of China Construction Bank (CCB) in this transformation [1] Group 1: Financial Strategies - CCB Beijing Branch is leveraging its state-owned enterprise responsibilities to enhance consumer demand through a comprehensive product supply system that includes diverse financial tools [1][3] - The bank is aligning with national policies to support consumption upgrades by providing quality personal consumption credit services and facilitating access to consumer loans and subsidies [3] - Innovative credit solutions are being introduced to address consumer pain points, such as special installment loans for large purchases and real-time credit products for emerging consumption scenarios [3][4] Group 2: Targeted Customer Segments - CCB is focusing on younger demographics, particularly those born after 1985 and 1990, who are becoming the core consumer group with distinct characteristics such as high education levels and openness to new experiences [3][4] - The bank is customizing products for specific customer segments, including travel-related services for business travelers and dynamic credit management for high-net-worth individuals [3][4] Group 3: Evolving Consumer Behavior - The consumption habits of the new generation, primarily young white-collar workers, are shifting from online payment convenience to a model that emphasizes online price comparison and offline purchases [4] - Clear boundaries in consumer needs are emerging, with different groups focusing on specific benefits such as travel rewards for business travelers and health and education services for families [4] Group 4: Future Directions - CCB aims to deepen its engagement in various consumer scenarios by creating a "financial + lifestyle" ecosystem that enhances urban consumption vitality through its "CCB Life" and mobile banking apps [4][5] - The bank is also expanding its service boundaries through cross-industry collaborations, such as partnerships with e-commerce platforms and local merchants to promote diverse consumption ecosystems [5] - CCB plans to upgrade its operational model to better serve customer segments by utilizing big data and digital operations to enhance service capabilities and drive business transformation [5]