支付结算是银行核心基础服务。在数智化浪潮下，德州银行推动支付"动起来"的同时，聚焦与群众生活 关系密切的民生服务行业，潜心系统研发与搭建，积极拓展行业适应性高的场景化金融服务。2025年上 半年，德州银行场景化金融交易笔数达159.62万笔，同比增长31.14%，交易金额突破12亿元。 扫码、刷脸、碰一碰等移动支付模式已然成市场半壁江山。德州某供暖公司在进一步改善缴费系统时， 德州银行以全渠道支付能力为支撑，加强系统全面对接，短时间内帮助企业搭建了覆盖线下网点、线上 小程序、上门手持设备的全渠道缴费体系，实现传统缴费、指尖缴费、远程缴费"三位一体"的便捷缴费 模式，特殊群体还能享受上门服务，缴费效率提升60%以上。 金融系统助力实现的"小变化"，让民生服务彰显了应有温度，也能为企业深耕市场、转型发展带来更大 裨益。 德州某老牌医药销售连锁公司下辖大小不同门店85个，辐射面积大、人口多，在移动互联形成的新竞争 格局下，企业在转型发展、释放服务潜力上也面临挑战。 在企业原有结算模式下，供应商和总店之间，要在固定时点核对连锁店的订单和账款，资金流动性和安 全性上虽有保障，但财务资源利用效率不够高，也制约了业务的创新 ...

Core Viewpoint - The recent joint issuance of the "Guiding Opinions on Financial Support for Boosting and Expanding Consumption" by six Chinese government departments signals a strong commitment to expanding domestic demand, stimulating consumption, and promoting high-quality development [1][4] Group 1: Policy Measures - The "Opinions" propose 19 key measures across six areas, providing a clear direction for financial support of consumption and a roadmap for consumption upgrades [1] - Specific measures include innovative financing models, extending loan terms, and developing intellectual property pledge financing to address challenges in service consumption [2][3] Group 2: Consumption Trends - China's retail sales of consumer goods reached 41.326 trillion yuan in May 2025, with a year-on-year growth of 6.4%, indicating strong resilience and potential in the consumption market [1] - The focus on improving service consumption, particularly in sectors like cultural tourism, sports entertainment, and education, highlights the importance of these areas for driving consumer spending [2] Group 3: Financial Support Mechanisms - The need for systemic reforms to establish a long-term financial support mechanism for consumption is emphasized, aiming to enhance residents' consumption capacity and willingness [1][3] - The integration of data credit, consumer finance, and supply chain finance is proposed to improve financial understanding of emerging consumption industries [3] Group 4: Implementation and Collaboration - The "Opinions" call for a collaborative approach among various departments to ensure effective implementation, including data sharing and resource integration [3] - Establishing a classification assessment mechanism and incentive system for financial institutions is suggested to enhance their role in supporting consumption [3]