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多组数据解码,是什么让百姓消费底气更足?

Core Viewpoint - The article highlights the vibrant consumer landscape during the "618" shopping festival, showcasing various sectors such as home decoration, travel, and elderly care, indicating a resurgence of consumer confidence and vitality in the market [1]. Group 1: Consumer Financing and Loans - As of May 2025, Agricultural Bank's personal business loan balance reached 2.81 trillion yuan, with an increase of 317.9 billion yuan since the beginning of the year [2]. - The credit card loan balance of Agricultural Bank stood at 869.1 billion yuan as of May 2025, reflecting an increase of 40.9 billion yuan since the start of the year [7]. - The county-level loan balance of Agricultural Bank is projected to grow from 7.3 trillion yuan in 2022 to 10.57 trillion yuan in 2025, with a year-to-date increase of 733.5 billion yuan as of May 2025 [12]. Group 2: Housing and Interest Rates - The interest rate for first-time homebuyers with a mortgage of over five years was reduced to 2.85% as of May 7, 2025, following a 0.5 percentage point cut in the reserve requirement ratio and a 0.1 percentage point decrease in policy rates [3]. Group 3: Consumer Subsidies and Promotions - The scale of the "trade-in" subsidy program increased significantly from 150 billion yuan last year to 300 billion yuan this year, with consumers eligible for up to 15% off on new purchases [4]. - As of May 31, 2023, the number of applications for the automobile trade-in subsidy reached 4.12 million [6]. Group 4: Rural and County-Level Consumption - The construction and renovation of comprehensive commercial service centers in counties reached 2,628, with 13,391 township commercial centers and 138,000 village convenience stores established from 2023 to March 2025 [9]. - Agricultural Bank organized over 700 online and offline events, including more than 300 activities focused on promoting new energy vehicles in over 200 county regions [11]. - Daily, over 100 million express packages are processed in rural areas, with about one-third of counties achieving same-day delivery, enhancing convenience for consumers [13]. Group 5: Cultural and Tourism Consumption - The market size of China's intangible cultural heritage industry surpassed 450 billion yuan in 2024, with expectations to reach 580 billion yuan by 2025, indicating a growing interest in experiential travel and local cultural experiences [21].