Jin Rong Shi Bao·2025-12-23 03:34Group 1 - The central economic work conference emphasizes "domestic demand as the main driver" and the need to implement measures to boost consumption and increase residents' income [1][2] - Experts predict that consumption growth will be supported by enhanced policies and the accelerated release of service consumption potential by 2026 [1][2] - Financial institutions are innovating consumer credit products to meet the diverse needs of residents, aligning with government policies [2][3] Group 2 - Banks are actively responding to consumption promotion policies by increasing credit issuance and innovating service models, injecting vitality into the domestic consumption market [4][5] - The Industrial and Commercial Bank of China has issued nearly 100 billion yuan in personal consumption loans and signed up around 1.6 million clients for interest subsidy services [4] - Postal Savings Bank and other banks are launching exclusive discount activities to stimulate consumer spending, with significant participation from customers [6][7] Group 3 - There is a growing focus on service consumption, with a shift from basic needs to quality and personalized services, indicating a transformation in consumer behavior [7][8] - Financial institutions are encouraged to enhance their understanding of consumption promotion and innovate financial products and services to meet diverse consumer needs [8] - As of September 2025, the loan balance in key service consumption areas reached 2.8 trillion yuan, reflecting a 4.9% year-on-year growth [7]