兴业银行济南分行深耕汽车金融赛道，赋能区域消费升级

Core Insights - The Jinan branch of Industrial Bank is actively responding to national policies aimed at stimulating consumption and promoting consumption upgrades, focusing on the automotive consumption market [1][2] - The branch has established deep cooperation with local leading automotive groups, creating a "finance + industry" collaborative service ecosystem to inject strong financial momentum into the regional automotive consumption market [1] - By 2025, the branch plans to invest a total of 63.94 million yuan in automotive installment financing in the Linyi area, effectively tapping into local automotive consumption potential [1] Collaboration Model - The branch adheres to the concept of "resource sharing and service co-construction," building exclusive cooperation channels with core automotive groups to deeply integrate financial services into the entire automotive sales process [1] - Financial service stations are set up at partner 4S stores, equipped with dedicated on-site managers to facilitate a one-stop process from vehicle selection to loan disbursement, significantly improving business processing efficiency [1] - Customized installment plans are offered to meet different customer needs, with flexible down payment ratios and repayment terms, effectively reducing the financial burden of purchasing a vehicle [1] Product Innovation - The branch has developed a "Car Owner Card" as a core vehicle for creating a rights system covering the entire lifecycle of vehicle ownership, offering exclusive benefits such as fuel discounts, car wash deals, and roadside assistance [2] - The cardholders also enjoy discounts on automotive installment fees, creating a multi-dimensional competitive advantage through the combination of products, rights, and services [2] - Localized marketing activities, such as "installment purchase with benefits," are conducted in collaboration with automotive groups to precisely connect financial incentives with vehicle purchase benefits, further activating consumer potential and enhancing customer loyalty [2] Future Plans - The branch aims to deepen strategic cooperation with core enterprises in the automotive industry chain, expand services in niche markets such as new energy vehicles, and enrich the benefits matrix of the Car Owner Card [2] - The focus will be on optimizing the full-process financial service experience and providing more efficient and customer-friendly financial products to continuously inject financial "vitality" into the high-quality development of the regional automotive consumption market [2]