银行多维发力 冰雪“冷资源”变身“热经济”

Core Viewpoint - The ice and snow consumption market is rapidly growing, driven by policy guidance and changes in consumer behavior, with a market size approaching one trillion yuan [1][2]. Group 1: Market Growth and Trends - Ice and snow consumption has emerged as a new consumption form, integrating sports, culture, and tourism, and is expected to reach a scale of nearly one trillion yuan [1]. - The 2024-2025 ice and snow season is projected to see consumer participation and related spending exceed 187.5 billion yuan, marking a growth of over 25% compared to the previous season [2]. - Ice and snow tourism has consistently attracted over 300 million visitors for three consecutive seasons [2]. Group 2: Financial Innovations and Support - Banks are launching promotional activities to lower the barriers to ice and snow consumption, such as "ice and snow consumption discounts" and "points exchange for skiing rights" [2]. - Financial institutions are integrating credit support, payment convenience, and consumer incentives to stimulate ice and snow consumption [1][4]. - The Bank of China has implemented a comprehensive financial service model that combines credit, scene-based payments, and themed activities to enhance consumer engagement [3]. Group 3: Industry Development and Ecosystem - A complete ice and snow economic industry chain is forming, enhancing the development of related sectors such as equipment manufacturing and hospitality services [4]. - The ice and snow tourism sector in Beijing's Changping District has seen significant visitor increases, particularly during peak holiday periods, boosting local hospitality and dining [4]. - The government has issued guidelines to promote high-quality development in the ice and snow economy, with expectations for the industry to exceed one trillion yuan by 2025 [6]. Group 4: Future Directions and Recommendations - The ice and snow consumption sector requires ongoing efforts to lower participation barriers, improve service quality, and enhance sustainability [5]. - Banks are encouraged to innovate financial products and services around ice and snow activities to alleviate consumer spending pressures and stimulate participation [7]. - The banking sector should leverage digital financial tools to enhance the entire ice and snow economic chain, improving supply quality and consumer satisfaction [6].