加强商务金融协同 消费金融“精准对接”迎来关键指引

Core Viewpoint - The core of the 447 document is to enhance collaboration between the business and financial systems to boost consumption, focusing on durable goods, service consumption, new consumption types, and county-level consumption [1][2]. Group 1: Policy and Industry Response - The 447 document breaks away from previous policies that operated in isolation, allowing for precise alignment of supply scenarios, policy support, and financial resources [1]. - Licensed consumer finance companies are adjusting their product structures and cooperation models to explore differentiated paths for embedding financial services into consumption scenarios [2][3]. - The document encourages financial institutions to focus on vertical integration within industries and large-scale consumption, moving beyond mere cash loan models [2]. Group 2: Innovations in Consumer Finance - Haier Consumer Finance has launched the "Smart Home Installment" service, allowing consumers to benefit from both national subsidies and industry interest subsidies, covering over 2,000 Haier stores [2][3]. - Zhaolian Consumer Finance has introduced a one-stop service for "old-for-new" exchanges, enabling users to complete the entire process from valuation to purchase and installment payments through their app [3]. Group 3: Service Expansion and Consumer Engagement - Consumer finance institutions are expanding into vertical service areas, such as education and medical beauty, to enhance financial inclusivity [4]. - Companies are advised to deepen their service models throughout the entire consumption process, adjusting repayment methods based on income fluctuations and utilizing consumption data for comprehensive coverage [5]. Group 4: Financial Incentives and Customer Benefits - The consumer loan interest subsidy policy has been implemented, with Zhaolian Consumer Finance reporting significant customer engagement and loan amounts due to this initiative [6]. - Zhongyuan Consumer Finance has provided benefits to over 331,000 individuals through subsidies and interest-free offers, enhancing customer experience with a unique "28-day interest-free borrowing" feature [5][6].