专访全国人大代表葛海蛟：解码中国银行服务扩内需战略的四重角色

Core Viewpoint - The article emphasizes the importance of expanding domestic demand as a strategic focus in China's 14th Five-Year Plan, highlighting the role of financial institutions like the Bank of China in supporting this initiative through enhanced consumer finance services and investment in key sectors [3][4][6]. Group 1: Strategic Focus on Domestic Demand - The 14th Five-Year Plan outlines the need to enhance domestic circulation and increase consumer spending, with a target contribution rate of 67.3% to economic growth by 2025, where final consumption expenditure accounts for 52.0% [6]. - The Bank of China positions itself as a key player in this strategy, aiming to boost consumer spending and support the national goal of building a strong domestic market [6][20]. Group 2: Financial Services and Consumer Support - The Bank of China plans to invest over 2 trillion yuan in key consumption sectors by 2025, creating substantial financial benefits for consumers and enhancing their purchasing power [7]. - The bank is committed to improving wealth management and pension finance services, aiming to increase residents' consumption capabilities and confidence [9][10]. Group 3: Enhancing Consumer Experience - The Bank of China is focusing on cross-border financial services to improve the consumption experience for foreign visitors, including cash and currency exchange services and a dedicated app for tourists [12][13]. - The bank has implemented innovative tax refund services for international travelers, significantly increasing the number of transactions by over 150% year-on-year [13]. Group 4: Support for New Consumption Trends - The Bank of China is adapting to shifts in consumer behavior by supporting both traditional and new consumption patterns, including service consumption and green consumption initiatives [15][16]. - The bank's promotional activities have reached over 400 million people, demonstrating its commitment to enhancing consumer engagement and supporting local economies [17]. Group 5: Balancing National Strategy and Business Sustainability - The Bank of China aims to balance its role in supporting national strategies with social responsibility and sustainable business practices, integrating these elements into its operational framework [20][21]. - The bank recognizes the potential for growth in the consumer finance sector, leveraging policy incentives to enhance its market position while maintaining asset quality and profitability [21][22].