金融活水精准滴灌 春节消费热潮涌动

Core Viewpoint - The article highlights the significant role of financial support in boosting consumer spending during the Spring Festival, with a focus on the "old-for-new" subsidy program and innovative financial products like "Guo Bu Loan" [1] Supply Side - The "Guo Bu Loan" has been introduced to alleviate the financial pressure on merchants, allowing them to increase inventory levels for the Spring Festival [2] - Easy Information Technology Co., a long-established 3C retailer, has benefited from the "old-for-new" policy, which offers a subsidy of up to 15% on 3C products, but faces challenges with upfront funding [2][3] - The company secured a loan of 3 million yuan through the "Guo Bu Loan" with an annual interest rate of only 1.5% to 2%, which has helped stabilize cash flow and increase inventory [3][4] - As of now, over 800 million yuan in credit has been issued through the "Guo Bu Loan" program, significantly improving merchants' cash flow and operational efficiency [4] Demand Side - The demand side is seeing a surge in consumer spending driven by low-interest and interest-free installment options, which are becoming key financial tools for enhancing mid-to-high-end consumption [5][6] - The Ministry of Commerce and the People's Bank of China have encouraged merchants to offer more low-interest and interest-free installment promotions, extending support for credit card installment payments until the end of 2026 [5][6] - The integration of national subsidy policies into installment payment scenarios has led to over a 20% increase in transaction volumes across various sectors, including apparel and home appliances [6][7] - Platforms like Taobao and JD.com are actively promoting products eligible for national subsidies, resulting in increased consumer engagement and spending [6][7] Financial Innovations - The introduction of AI-driven solutions for invoice management is enhancing consumer engagement by transforming invoices into versatile consumption vouchers, thereby maximizing the impact of government financial support [8] - Financial institutions are leveraging their extensive service networks to ensure that both merchants and consumers benefit from the available financial products, particularly during the peak consumption period of the Spring Festival [8]